Disaster Financial Assistance – Mitigation Project

• Completed application form
• Supporting photos of damage
• Insurance-related documents, if applicable
• Repair receipts and records of cleanup work
• Required appendices or supporting documentation for the claim

Who is eligible?

• Homeowners and residential tenants
• Small businesses, including farms and fishers
• Non-profit organizations, churches, charities, and service clubs
• Municipalities and provincial departments, when federal disaster funding applies

Who is not eligible

• Recreational properties
• Businesses outside the small business definition
• Properties with damage caused by negligence
• Properties in certain high-risk flood zones or with recurrent erosion, where excluded by the program

Eligible expenses

• Structural repairs and restoration of damaged property
• Essential contents, equipment, inventory, and furnishings
• Cleanup and disinfection work
• Mitigation improvements to reduce future flood risk

Ineligible Costs and Activities

• Insured losses or losses that could have been insured
• Income loss
• Damage knowingly built in high-risk areas
• New construction and non-structural mitigation studies or campaigns

Eligible geographic areas

• New Brunswick

• Extent and nature of the damage
• Whether the loss was uninsurable
• Whether other assistance has already been received
• Need to restore essential living or business functions

• Step 1: Report damage
  • Register property damage online or by phone.
  • Contact your insurer immediately.
• Step 2: Complete forms
  • Fill out the correct application package for your applicant type.
  • Complete the insurance confirmation form if required.
• Step 3: Gather supporting documents
  • Prepare the required appendices, photos, and supporting records.
  • Keep copies of your application and documents.
• Step 4: Submit the application
  • Mail the completed application and documents to NB EMO Recovery Services in Fredericton.

• The claim is reviewed for eligibility after submission.
• An external damage assessor may inspect the property.
• The file is checked by the recovery office and a provincial auditor.
• Payment is issued after review, and the applicant may receive a decision letter.
• If the applicant disagrees, a claim settlement review can be requested in writing.

• Applications are accepted only after a disaster program is officially authorized.
• Claimants must first report damage to their insurer.
• Damage reports can be submitted online or by phone.
• An appeal request must be filed within 45 days of the decision letter.