Documents needed
If you have private insurance, your insurer must provide a letter to PDAP explaining which of your damages are and are not covered by your policy.
Principal residence
In addition to your insurance denial letter and photos of all damages, you will need:
- A copy of your driver's licence
- Rental agreement for tenants
Agricultural operation
In addition to your insurance denial letter and photos of all damages, you will need:
- A copy of your prior year's T1 General income tax return(s) submitted to the Canada Revenue Agency (CRA); the return(s) must include any Statement of Farming Activities (T2042) schedules
- If filing as a limited corporation – a copy of the prior year's T2 Corporate Tax Return(s) including Schedules 1 and 125. Unaudited Financial Statements are not sufficient
- The CRA Notice of Assessment that corresponds with either the T1 or T2 tax return(s)
- All T4 and/or T5 slips associated with the above T1 General Personal Tax Returns(s) or T2 Corporate Tax Return(s), if the agricultural operation had employees
- T4 Summary, if the agricultural operation had employees
Small business
In addition to your insurance denial letter and photos of all damages, you will need:
- A copy of your prior year's T1 General income tax return(s) submitted to the Canada Revenue Agency (CRA); the return(s) must include any Statement of Business Activities schedules (T2125)
- If filing as a corporation – a copy of your prior year's T2 Corporate Tax Returns(s) including Schedules 1 and 125. Unaudited Financial Statements are not sufficient
- The CRA Notice of Assessment that corresponds with either the T1 or T2 return(s)
- If claiming a rental property, a copy of your prior year's T1 General income tax return(s) submitted to the Canada Revenue Agency (CRA); the return(s) must include any Statement of Real Estate Rentals (form T776) or, if filing as limited corporation – a copy of your prior year's T2 Corporate Tax Returns(s) including Schedules 1 and 125. Unaudited Financial Statements are not sufficient
- A copy of the lease agreement if your business is located in a rental property
- The CRA Notice of Assessment that corresponds with the either the T1 or T2 tax return(s)
Non-profit or charity claim
In addition to photos of all damages, you will need:
- Tax return indicating gross income
- Proof of charitable status documentation or registration information
- A mission statement
- Your insurance denial letter, which is addressed to the claimant on the insurer's letterhead (not the broker's), and includes the policy number, date of loss, the locations of the loss and a statement indicating that the claimant does not have coverage and that coverage was not available for purchase for damages as a result of the weather event
Take photos
Don't forget to take pictures of damages to your property. PDAP-assigned engineers and adjusters will need these photos throughout the application process.
Avoid delays
It is important to us that claimants receive eligible financial assistance as quickly as possible. Wherever possible, PDAP tries to avoid potential delays where coordination with private insurance companies might be involved. As part of the claim approval process, PDAP will require a coverage denial letter from your insurance company. However, we do not want this requirement to delay your application and processing of your claim.
Once your community has been designated for PDAP assistance, pick up an application form from your city, town, village, resort village, First Nation, provincial or regional park, or rural municipality.
Please complete your application form and submit it to PDAP as soon as possible, so that we can begin processing your claim while you continue to work with your insurance company. Once you are able to submit the required documentation, your claim can then be completed much more quickly and eligible payments provided to you.