8:30am - 5:30pm


8:30am - 5:30pm


8:30am - 5:30pm


8:30am - 5:30pm


8:30am - 5:30pm


9:00am - 5:00pm



Hours in PST

What is the Disaster Financial Assistance Program (DFA)?

No matter how prepared you may be, nobody fully expects a natural disaster to occur when it does.

However, a safeguard is needed to protect your home in a catastrophe. Home insurance is the best protection you can personally have as the Disaster Financial Assistance Program (DFA) has changed. Between 2007 and now, $47 million has been paid out to local governments and persons. Due to this large sum, the DFA has changed how a person or place is covered. In the simplest terms, if an insurance company can provide coverage and the insured declines said coverage, they will not qualify to receive funds from the DFA in case of a cataclysm.

What is the Disaster Financial Assistance Program (DFA)? The Home Insurance People

“That sounds like a lot of jargon that I just don’t have the time or patience to read about.”

Agreed, it’s not the most exciting topic, but it is essential, so let’s start with when someone is eligible for the DFA.

After working with local governments, the first requirement for the DFA is that the provincial government must declare the disaster eligible to receive assistance under this program. If they do not, unfortunately, no assistance will be given. Any damage to the general public must have come from a non-insurable catastrophe. For a list of eligible disasters, please see this link. Landslide-related cracks may or may not qualify depending on whether or not the damage was caused by slope instability.

Insurance companies can cover damage from wildfires, earthquakes, and flooding; therefore, the DFA does not cover them. However, flooding coverage is a relatively new coverage offered by insurance companies, so there may be limitations on what areas are eligible. There are instances, however, where a person may not be applicable for these from their local brokers, or the cost may be unreasonably high considering the risk and not what the insured may find affordable. In these cases, exceptions may be made, but it is best to look into what is needed to prove to the government in a natural disaster that you, as the insured, tried your utmost.

Disaster Financial Assistance Program Harbord Insurance

Homeowners, tenants, small business owners, charities, and farmers are eligible for compensation. The DFA will first attempt to replace or rebuild the building, but only to a livable standard, as before the disaster happened. The average claim is roughly $10,000 though the maximum value is $300,000. Contents are inventoried at a monetary amount considering depreciation and be aware that other limitations exist. People who earn money from their ventures must prove it’s their primary income to receive funding.

Please see the link below for all the Disaster Financial Assistance program information. Don’t hesitate to ask your broker if you are not eligible for insurance if you would be covered.

Disaster Financial Assistance Program

Contact Us!

If you live in Alberta or British Columbia and are looking for Home Insurance, we are here to answer any questions you may have about our range of home insurance products and servicesContact our team at 1.844.544.4663 and see what makes us Harbord – The Home Insurance People™!


RELATED: 9 Tips to Protect Your Home from BC Wildfires Damage in 2020

More Home Insurance News


Explore our Ads

We have lots of fun creating promotions, and just want to share the joy! Click on any of the icons below to peruse our collection of ongoing advertising campaigns.

Please Note

We are currently experiencing problems with our telephone system. Please try calling us again later or sending an email to [email protected]. We apologize for the inconvenience and we appreciate your patience!