Disaster Financial Assistance

To be eligible for assistance, damages must be sudden, uninsurable and a direct result of a natural disaster. The assistance covers essential costs only, after insurance and other recoveries, excluding income loss and damage knowingly built in high-risk areas. 

If you have any questions while filling out your forms, please call the NBEMO Recovery Services Office at the following toll-free number 1-888-553-8558 between 8:15am – 4:30pm Monday to Friday. 

Before you apply, be sure to:

• contact your insurance companies immediately to report damage
• take photos of damage to your homes or properties
• keep receipts of any repairs and replacement purchases
• log the number of hours of work undertaken if you are cleaning your own properties, or family members or those who have assisted in the cleanup of your property

Once you register, a Disaster Financial Assistance package will be mailed to you. Damage assessments will be reviewed, and health and safety inspection teams may be dispatched if required.

Detailed information about the coverage can be found in the Disaster Financial Assistance Program Policy

In case of issues with the insurer, residents may call the Office of the Consumer Advocate for Insurance at 1-888-283-5111.

1. Register any property damages online or by calling the damage reporting line 1-888-298-8555.
2. Complete an application form:
   • Applicant information for homeowners and residential tenants (PDF 264 KB)
   • Applicant information for charitable or volunteer organization (PDF 224 KB)
   • Application information for small business (PDF 307 KB)
3. Get all the required supporting documents listed under the Required Documentation Appendix in the application forms above.
4. Submit your application form and supporting documents by mailing it to:
   
   NB Emergency Measures Organization
   Recovery Services Office
   65 Brunswick Street, 2nd Floor, Suite 240
   Fredericton, NB E3B 1G5

Note: It is the claimant’s responsibility to attempt to reduce damage by taking necessary steps to save their property where possible. Maintaining accurate records, like date stamped photos, of all damages will help expedite your claim.

Failure to follow the noted steps could affect the outcome of your claim or cause delays in payment of eligible losses.

It is the responsibility of the property owner to make the necessary arrangements for clean-up and repairs. While the use of contractors to perform clean up or repairs is the property owner’s decision, it is strongly recommended that care be taken in choosing a contractor.

The government’s role is only to provide financial assistance in accordance with the guidelines and the property owner should be mindful that it does not necessarily cover all items or the full cost of clean-up or repairs that a contractor may charge.

If you disagree with the decision made regarding your Disaster Financial Assistance claim, you may ask to have your claim reviewed by filing a claim settlement review application. The request must be made within 45 days of the date of the letter informing you of the decision of your claim. 

• Claim settlement review process
• Claim settlement review application (PDF 111 KB)

Property owners who received financial assistance for structural damage from an approved disaster may be eligible for additional funding to reduce future risks. This may include installing sump pumps or raising utilities. Mitigation funding can cover up to 15% of eligible repair costs and must be approved and verified by NBEMO. 

• Mitigation Proposal Form (PDF 69 KB)
• Mitigation Project Fact Sheet

• Municipal guidelines and spreadsheets
• Schedule of loss