Anyone with damages from the storm and flooding on October 10th can get financial help to rebuild and repair their homes and property.
The province has a Disaster Financial Assistance Program that covers uninsurable damage to items like basic household goods, appliances (washers, dryers, furnaces), and structural damage to the home. For information about this program, call 1-866-424-5620 or email firstname.lastname@example.org.
Damage to driveways
Owners with damage to driveways are encouraged to apply.
Loss of vehicle
This program does not cover cost recovery for vehicles.
Turnaround time for applications
The turnaround timing ultimately depends on the complexity of the cases.
Once your application is submitted with all of the required information, a provincial representative will visit your home to confirm damage and make a recommendation for payment.
If insurance does not cover losses
There is a one-page form that your insurance company fills out to confirm you are not covered for your losses. This form accompanies the application.
If you don’t have insurance
You may still be eligible for some coverage under the program, but it will not be the same as if they had insurance. Here’s a simple example: Homeowner A and Homeowner B both have $30,000 in damages but only Homeowner A has insurance. Homeowner A can get $15,000 covered by their insurance company and another $15,000 from the Disaster Financial Assistance program. Homeowner B would also receive $15,000 from the Disaster Financial Assistance program. Every situation is unique and applications are assessed on a case-by-case basis
Outside of Cape Breton but has been impacted by the heavy rainfall
We want to help as many people as we can. If you have been impacted by the heavy rainfall and live outside of Cape Breton, please submit an application.
Please complete the application form that applies to you.
The application process will require a signed letter from your insurer, and letters from your accountant and lawyer in the case of a small business. Letter templates are provided.
To get your application started, email the completed form to email@example.com then send a signed copy of the completed form and related letters to:
Disaster Financial Assistance
P.O. Box 2581
Halifax, NS B3J 3N5
Once your application has been received, a representative from the office will contact you.
If you do not live in Cape Breton but have received damage to your home because of the recent rain, please contact the Emergency Management Office at 1-866-424-5620.
If you have any questions, please call 1-866-424-5620.