Disaster Financial Assistance – Mitigation Project

• Signed application form
• Property tax bill or proof of ownership
• Lease or rental agreement, if applicable
• Insurance confirmation form and insurer denial letter, if applicable
• Photos, repair estimates, receipts, and required logs or appendices

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

• 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.