Program Limits

  • The maximum amount payable per application is $80,000 for individuals and small businesses and $200,000 for non-profit organizations.

  • Applications for financial assistance from an individual, non-profit organization or small business operator will be subject to a $1,000 deductible

  • The amount of financial assistance provided for each accepted application is the lessor of the amount of the total eligible damage that exceeds $1,000, and the maximum amount payable under the program.

  • Claims may not exceed the estimated costs required to restore an item, property or facility to its immediate pre-disaster condition

  • As part of repair/rebuilding projects there may be things that can be done to reduce vulnerability to future emergencies. These improvements can be considered on a case-by-case basis to a maximum of 15% of the eligible damage

  • When household goods such as furniture, fixtures or appliances are to be replaced; only the value of basic models of such items will be allowed as replacements

  • When there is a choice between repair and replacement, the amount of assistance will be based upon the least costly option

  • Costs for repairing a structure to its pre-disaster condition will include the cost of repairing it to a condition that meets the prevailing building code

  • When a structure has been damaged beyond repair, assistance will be limited to the value of the property as indicated by the property assessment at the time of the loss

  • Casual labour provided by the owner and immediate family members to clean-up the damaged property will be eligible at the provincial minimum wage hourly rate up to a maximum of 100 total hours, if substantiated by a damage appraisal report