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Submit a Claim Under the Provincial Disaster Assistance Program

The Provincial Disaster Assistance Program (PDAP) is designed to help residents, small businesses, agricultural operations, communal organizations, non-profit organizations, parks and communities recover from the effects of natural disasters, including flooding, tornadoes, plow winds and other severe weather.

Avoid Delays - Submitting Claims to PDAP and Potential Insurance Coverage

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 policies 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.

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.

Safety

Before you start cleaning:

Ensure it is safe and your property is free of hazards such as wet electrical equipment.
Contact your private insurance provider to see if any damages may be covered.
Contact your municipality, band office or PDAP for a PDAP application.
Take photos of everything. Take notes on the date and location of each photo.
Determine the following information: When and where did the water enter your home? How high was the water? How long did the water sit before it was removed?

Before you start repairing:

Ensure the area is safe and your property is free of hazards such as damaged electrical equipment.
Remove water from your home.
Remove the affected contents of your home and store them in a safe, dry area.
Keep a log of all work done to protect your home (hours worked, who performed the work, what work was completed, etc.)

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1. Documents needed

Principal Residence Claims

Property tax assessment (for homeowners) or rental agreement (for renters)
Driver’s license (or other government-issued ID if you do not have a driver’s license)
Insurance denial letter (containing date of loss, damaged location)

Agricultural Claims

Insurance denial letter (containing date of loss, damaged location)
Property tax assessment 2015 T1
General Tax return showing gross farming income (page 1 and 2 only) and T2042 – Statement of Farming Activities, and the Canada Revenue Agency Notice of Assessment

Small Business Claims

Insurance denial letter (containing date of loss, damaged location, mention if insurance is available for purchase from insurance company)
2014 T1 General Tax return showing gross business income, T2125 Statement of Business or Professional Activities, and the Canada Revenue Agency Notice of Assessment
A copy of the lease agreement (if the small business is a rental property)

Don’t forget to take pictures of damages to your property. PDAP-assigned engineers and adjusters will need these photos throughout the application process.‎ A provincial building official will also be available on-site to answer questions related to structural safety and building concerns

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2. Before You Apply

What is PDAP?

The Provincial Disaster Assistance Program (PDAP) is designed to help residents, small businesses, agricultural operations, non-profit organizations and communities recover from the effects of such natural disasters as flooding, tornadoes, plow winds and other severe weather.

Am I eligible?

To be eligible for assistance, your local authority (city, town, village, resort village, provincial park, rural municipality, or First Nation) must apply to be approved. Communities currently approved are listed below:

RM of Bjorkdale
RM of Connaught
RM of Hudson Bay
RM of Lacadena
RM of Loon Lake
RM of Nipawin
RM of Parkdale
RM of Poplar Valley
RM of Torch River
City of Lloydminster
Village of Smeaton

If your community is not listed, contact them directly and inform them of your losses. They will need to apply to PDAP before you can submit your individual claim.

For homeowners to be eligible, the damaged property must be their primary place of residence (seasonal cottages are not covered under PDAP). For a business to qualify for assistance, it must make more than $4000 and less than $2 million in gross income, employ not more than the equivalent of 20 full-time employees.

What does PDAP cover?

The Provincial Disaster Assistance Program covers damage or loss to uninsurable, essential property. For homeowners, this may include such things as beds, essential furnishings, essential clothing, furnaces, water heaters, fridges, stoves, computers and televisions. For business owners, eligible items may include stock and supplies, essential work clothing, and other necessities. For agricultural claims, this may cover damaged fencing, bales, and field erosion. PDAP may also help cover the cost of clean-up, repairs and temporary relocation.

It is important to remember PDAP is not a substitute for private insurance nor does it provide full compensation for losses. PDAP provides assistance to return property to its pre-disaster value; expenses beyond that value will not be covered by PDAP. It does not provide financial assistance for drought or fire-related losses. It does not cover any loss of production or loss of revenue - including unseeded acres of agricultural land - as these losses are insurable.

Eligible costs under PDAP for wildfires

PDAP will assist communities with extraordinary non-insurable costs which may include the following:

Dangerous tree removal

Security of evacuated communities

Pre-emptive measures to protect communities during the interface period; such as fire breaks, fire guards and sprinklers

PDAP will assist individuals with extraordinary non-insurable costs which may include the following:

Dangerous tree removal

Pre-emptive measures to protect eligible property during the interface period; such as fire breaks, fire guards and sprinklers

What assistance am I eligible to receive?

Homeowners and renters are eligible to receive compensation for damages up to a maximum of $240,000. Small businesses are eligible to receive compensation for damages up to a maximum of $500,000.

Where and when do I apply?

Application forms are available from approved local authorities. Apply as soon as possible. The sooner your application is received, the sooner you will receive assistance. Include all required documentation, which may include a letter of denial from your insurance company (for all claims), a notice of your gross income from your most recent income tax assessment (for small business and agricultural claims), or your mission statement (for non-profit organization claims). Please see Step 2 - Required Documents for a list of required documents for primary residence, agricultural operation and small business claims.

Where can I get help in applying to PDAP?

Information is available below for local authorities and homeowners, tenants, small businesses, agricultural operations, and non-profit organizations. Feel free to call us at 1-866-632-4033 if you have any questions.

What should I do in the meantime?

If the disaster is ongoing, be sure to record any emergency repairs and measures you take to prevent further losses, as you will need to demonstrate your damages and expenses to an adjuster. Take photos and keep samples of emergency building materials used. Any repairs or cleanup that can be safely postponed should be postponed until an adjuster can inspect the site.

PDAP encourages you to begin immediate cleanup of wet material as soon as possible to prevent mould problems. Make a record of all cleanup efforts as you will need to demonstrate your damages to an adjuster. Record equipment usage costs and hours (fans, dehumidifiers, shop vacs, sump pumps).