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Items & Damages NOT Covered Under the DFA
- Please refer to the listing below when completing the Schedule of Loss (Form C).
- The list is not all inclusive and is meant as a guide.
- Please note items and damages in the appropriate columns on Form C. If you know the year purchased and cost, provide this information in the correct columns.
- The adjuster will review the listing and determine values for damages and items eligible under the guidelines of the program. Any questions or concerns can be addressed at time of site visit.
Items Damages NOT covered under the DFA Program
Homeowner/Personal Claims |
Small Business/Farms/Fisheries Claims |
| Any damages caused by a water damage extension (sewer backup) will not be covered under this program (insurance available for this) | Any damages caused by a water damage extension (sewer backup) will not be covered under this program |
| Books: unless required for a registered attendance at an educational facility | Damages covered by insurance or law |
| Driveway repair: gravel only | Livestock Losses |
| Fencing: only if it is to contain or protect livestock or crops | Lost wages, Loss of profit, Loss of opportunity |
| Landscape repairs, erosion, or retaining walls unless it is a public safety issue | Any cost of restoration not considered essential to business |
| Lawn mowers, recreational vehicles or vessels | Vehicles: repairs only to farm/forestry equipment of an uninsurable nature |
| Luxury items: fur coats, stereo equipment, sporting goods and like items | Out buildings that are not part of a business or farm operation |
| Non perishable food items | Landscape repairs, erosion, unless it is a public safety issue |
| Patio furniture/pools Sheds or baby barns |
Depreciation value will apply against stock, equipment, etc. |
| Private roads: unless deemed a public road by government |
Tools (hand or power) unless used in your business |
| Recreational property: camps, cottages or service clubs | Any improvements that were completed after the disaster |
| Seasonal decorations: Interior or Exterior | HST will be removed from all items |
| Stored items, non-essential and extras not being used on a day to day basis | |
| Tools (hand or power) unless used for livelihood |