The Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP)

• For structural damage, applicants may choose to have repairs completed by a contractor and receive up to 100% of eligible costs identified in the adjuster's report, or opt for a 70% cash settlement based on the repair estimate (excludes the 10% miscellaneous fee in the repair estimate).
• Clean-up hours immediately after the disaster are compensated at minimum wage, subject to a maximum of $1,000 per applicant.
• Large appliance replacements are subject to limits (e.g., fridge: $800, washer: $650, stove: $700, dryer: $600, etc.), with one unit per household.
• Specific maximum payouts are outlined for various categories, such as clothing (up to $1,000 per adult), furniture (e.g., $1,200 for infant/toddler bedroom set, $4,400 for bedroom furniture per occupant, $5,400 total general furniture), and other household goods (as per the Schedule of Loss).
• If a home is a total loss, the maximum assistance is based on the average provincial home cost at the time of loss, as determined by the Canadian Real Estate Association.

• The applicant must be a small business with annual gross revenues between $10,000 and $2 million.
• The business must not have more than the equivalent of 20 full-time employees.
• The business must be owner-operated, with the owner-operator managing the day-to-day operations and owning at least 50% of the business.
• The applicant must be the legal owner of the business applying for assistance.
• The claimed damages must be a result of an eligible natural disaster and must not have been reasonably insurable.

Who is eligible?

• Small businesses (including landlords)
• Farming operations
• Self-employed fishers, trappers, and loggers
• Not-for-profit organizations
• Not-for-profit cooperatives

Eligible expenses

• Cleaning and debris removal (including out-of-pocket costs, waste disposal, and hazardous material removal).
• Compensation for hours spent on clean-up at minimum wage (up to a capped amount).
• Repair and restoration of damaged business premises to their pre-disaster condition, as substantiated by damage appraisal reports.
• Replacement or repair of damaged essential business equipment and inventory required for operations.
• Incremental compensation paid to employees or contractors specifically for clean-up activities after the disaster.
• Reasonable fixed business expenses incurred due to the disaster (e.g., rental of office space and equipment for a limited period).
• Restoration, rebuilding, or replacement of damaged facilities owned by not-for-profit organizations.
• Landscaping costs only if they are an essential part of business operations (such as golf courses or botanical gardens).
• Levelling and restoring damaged farmland to workable condition for farms.
• Replacement or repair of farm machinery, equipment, livestock (if uninsurable), and harvested crops or business inventory in storage.

Eligible geographic areas

• Newfoundland and Labrador

• The program is only activated following a public announcement after an eligible disaster has occurred.
• Applicants must disclose insurance payouts and assistance from other sources, which will be deducted from the final settlement amount.
• False or withheld information can result in disqualification from receiving assistance.
• A request for reconsideration can be submitted within 30 days if an applicant disagrees with a denial or settlement amount.