ST. JOHN'S, N.L. — Individual homeowners, small businesses, non-profit organizations and communities impacted by the record-setting blizzard can now apply for compensation for damages under the Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP.)
Compensation for damages will be based on criteria established by both the federal and provincial disaster financial assistance programs, but residents are encouraged to contact their insurance companies first and to take steps to mitigate any further damage. The Insurance Bureau of Canada has set up an information line (1-844-227-5422, ext. 228) for policy holders to get information and advice.
The program will not cover all damages that would normally be covered under an insurance policy and only covers essentials, which includes the costs associated with reinstating the necessities of life, including help to repair and restore damaged homes and replacing essential items such as appliances, etc.
Things not covered under the NL-DFAP include:
- Damage/loss which was reasonably insurable
- Non-primary residence, such as summer homes, cabins
- Recreational equipment, such as campers, travel trailers, ATVs, etc.
- Private roads unless they provide access to a primary residence
- Damage to large business (gross annual revenue greater than $2 million)
- Costs that are covered in whole or in part by another government program (e.g. crop insurance)
- Damage to property/structures caused by recurrent erosion
- Loss of income
Forms are available online at gov.nl.ca/fes/faq/emergencymanagement.html or by calling 1-888-395-5611.
