Ministry of Public Safety and Solicitor General Disaster Financial Assistance Q&A

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Ministry of Public Safety and Solicitor General Disaster Financial Assistance Q&A"

Transcription

1 Ministry of Public Safety and Solicitor General Disaster Financial Assistance Q&A What kind of disaster relief can residents expect? The Province continues to support the recovery efforts of the local governments. We have also authorized Disaster Financial Assistance to supplement these efforts. DFA helps those impacted by a disaster where the losses could not be insured or where other programs are not available. It provides or reinstates the necessities of life, including help to repair and restore damaged homes and to re-establish or maintain the viability of small businesses and working farms. Disaster financial assistance covers 80 per cent of the cost of essential items not covered by insurance, for claims exceeding $1,000 up to a maximum claim of $300,000. The Province is not helping in isolation: Other agencies provide services, like the Red Cross, Salvation Army and Mennonite Disaster Council. We also augment the good work done by local businesses, financial institutions and community volunteers. Why does B.C. have a disaster fund? Because it s the right thing to do. DFA helps people who, through no fault of their own, find themselves in desperate need of help that they couldn t have protected themselves from with insurance. Every province and territory in Canada has a DFA program. BC works closely with its provincial and federal counterparts to share information and develop best practices for disaster financial assistance. What does DFA cover? DFA provides or reinstates the necessities of life, including help to repair and restore homes and, in the case of a small business or farm, help to restore livelihoods. Applicants can apply in more than one category. For example if someone s home and farm were damaged, they could apply for DFA in the home owner category and the farm category. To be eligible in the home category, it must be their principal residence. In the farm or small business category, it must be their livelihood; i.e. the farm or business must be their major source of income. Eligible damages in the homeowner category are limited to the principal residence. This can include structural damage and compensation for essential items lost or damaged in the flood. Land damage is not eligible except to provide essential access to the home.

2 Eligible damages in the farm category can include clearing farm land that is in production or fallow. It is important to note however, that debris removal costs cannot exceed the assessed value of the affected land and that total compensation cannot exceed the DFA maximum claim of $300,000. Also DFA cannot compensate for losses that are covered under other government programs. This is why we cannot compensate for crop losses as there are insurance and income loss programs available through Ministry of Agriculture for these types of losses. How quickly will people be paid? We know how difficult this situation is for those who have flood damage and our office works as quickly as we can to help people. The actual time it takes depends on the number of applications we receive and the complexity of the application. In small local disaster we are often able to pay a homeowner or tenant DFA claim in six weeks or less of receipt of the application. However, when the disaster is large and widespread, it will take longer. For homeowners, once we receive the application we first need to confirm ownership and principal residence. We then assign the file to our Field Manager who will contact the applicant to set up a site visit. The evaluator will meet with the applicant, explain the program, answer questions, and assess the damage. The evaluator s report is forwarded to our office for adjudication and, if there is eligible damage, a letter and cheque are sent to the homeowner. For small business and farm owners, the process takes more time. We also need to confirm income eligibility be reviewing income tax returns and financial statements. And the assessment of losses can also be more complicated. Why don't landlords qualify? DFA exists to help restore your principal residence your home and for small business owners your livelihood. The goal of the program is to ensure that people have a safe dry place to live. DFA is not insurance. It s a helping hand to provide essential support so people can get back on their feet. Revenue property and vacation property are not essential housing. Tenants who have been affected by this disaster can receive DFA to compensate them for their personal losses. If landlords are unable or unwilling to repair the home, BC Housing staff are available to help them find alternate rental accommodation. In some circumstances we can compensate for repairs to rental property. If the property owner can demonstrate that property rental is their livelihood i.e. rental income is their major source of income, that they personally manage this business on a full time day to day basis, and that without this assistance their business could be in jeopardy, they may be eligible for DFA as a small business owner.

3 I have heard that DFA may not be available for small business because they could get insurance. Is this true? Although Disaster Financial Assistance (DFA) may be limited for small businesses, they should still complete an application and we will do whatever we can within the legislation. DFA is only for uninsurable losses, and cannot be used for the deductible portion of insurance. We are currently working with the Insurance Bureau of Canada to determine if small businesses in this area were eligible to purchase flood insurance. If they were not eligible to purchase flood insurance then they may qualify for DFA. For businesses, flood insurance is usually available for overland flooding damage to business structures. Business owners make risk assessments and may decide not to purchase insurance, or to purchase insurance with a high deductible (i.e., to cover them only for catastrophic losses). Notably, insurance for flood damage to a business, if available, would only be for buildings. It would not cover land damage. Although DFA does not cover loss to land, we will ensure that an eligible business has essential access. This could include debris removal and grading driveways. Are small business owners who could not afford private insurance eligible for DFA? Unfortunately if insurance was available, they would not be eligible for DFA. DFA is only for uninsurable losses. As an aside, DFA also cannot be used for the deductible portion of insurance. Flood insurance for businesses is an issue in most events. Insurance is usually available for overland flooding damage to business structures. Business owners make risk assessments and may decide not to purchase insurance or to purchase insurance with a high deductible (i.e. to cover them only for only for catastrophic losses). Also, insurance for flood damage to a business, if available, would only be for buildings. It would not cover land damage. Although DFA does not cover loss to land, we will ensure that an eligible business has essential access. This could include debris removal and grading driveways. Our message to small businesses is that although DFA may be limited for them, they should still complete an application and we will do whatever we can within the legislation. See also attached insurance info for small businesses.

4 Do you pay for replacement cost? DFA is not insurance so we don t look at replacement value versus depreciated cost. For personal possessions we compensate for losses based on a preset list of essential items and set value for losses. For example a destroyed couch would be compensated based on the value of a typical couch (currently $575) regardless of the type or quality of sofa the applicant actually had. For infrastructure damage our compensation is limited to what it would cost to repair the damage caused by the event. We calculate the compensation using standard industry rates for such things as drywall repair, carpet removal and replacement, debris removal, etc. Is DFA available for First Nation Communities? The Disaster Financial Assistance program works closely with Aboriginal Affairs and Northern Development Canada (AANDC) to ensure that we are able to provide the same services and support to First Nations communities and impacted individuals as we do for other communities in B.C. The same eligibility and documentation requirements for disaster financial assistance that apply to local authorities also apply to First Nations. First Nations are required to prepare and submit their own claims to the Provincial Emergency Program, even if they participate with a local authority in response. Local authorities are not responsible for claiming costs incurred by First Nations, even if they share emergency operations. Do we know how many British Columbians are considered uninsurable (because of where they live)? Overland flooding insurance is not available for residential properties, and most of the populated areas of B.C. are in flood plains. Therefore, it s impossible to estimate just how many properties and residents could be impacted by a particular flood event. However, it s worth noting the Province has made significant investments in flood prevention projects in recent years. As well, many local governments have programs in place, including covenants on properties to limit the flooding danger by restricting how and where you can build. How much money have homeowners received from DFA over the past 10 years? Since 2000 the Province has paid over $25 Million in DFA directly to BC residents to help them recover from disasters.

5 Why do we keep bailing people out? Because it s the right thing to do. DFA helps people who, through no fault of their own, find themselves in desperate need of help. Every province and territory in Canada has a DFA program, to help people start to get back on their feet after a disaster for which insurance was not available. Quote from Regulation: If DFA has been provided on two occasions to repair, rebuild or replace a structure in a disaster prone area, further DFA requests are ineligible unless after the second occasion, all corrective or preventive actions reasonably possible to avoid recurrence of the damage or destruction were taken. Is it time to restrict building on flood plains or is that unrealistic? That question is best directed to municipal officials. Since 2004, land-use guidelines have been firmly in the hands of local governments. Local governments are responsible for planning for and appropriately zoning land for a variety of uses.

6 Insurance info for small businesses A key requirement for eligibility for Disaster Financial Assistance for small businesses is that the damage was not insurable. For any event, if there is some doubt that flood insurance is generally available in a community, we consult with the Insurance Bureau of Canada, Pacific Region. Readily available means that a small business could obtain commercial insurance from a local agent with optional endorsements or extensions to cover overland flooding. We should not confuse reasonably available with affordable. What any business can afford is subjective and specific to that business. What is important is that the price of insurance was reasonable considering the risk. For example if a business chooses to build next to a river prone to flooding the premiums and and/or deductible for flood coverage will be substantially higher than for a building on higher ground. In the majority of communities in BC flood insurance is reasonably and readily available for small businesses. Our goal is to provide the maximum help we can within our program s legislated framework. Therefore, a small business may be eligible for DFA provided the business owner can provide us with a letter from his/her insurance agent confirming that prior to this flood event flood insurance was not available to them and the reason why. For those small businesses that carry no insurance at all and have no insurance agent, we will still require them to obtain evidence that they could not have purchased flood insurance prior to September To accept any DFA applicant without this assurance would not be fair to those businesses in the community who did specifically purchase flood insurance, and are now paying a substantial insurance deductible with no possibility of receiving any DFA. Standard small commercial lines policies can provide an endorsement or extension to cover flood damage. For our program to be satisfied that insurance was not available we require a letter from the small business applicant s insurance company stating that insurance was not available for overland flooding and the reason it was not available. The reason is important because there will always be specific businesses that have had too many claims in the past to be insurable or whose buildings do not comply with zoning or construction standards. Individual business choices and/or poor management do not make an applicant eligible for DFA.

DISASTER RECOVERY PROGRAM HANDBOOK SMALL BUSINESSES AND LANDLORDS

DISASTER RECOVERY PROGRAM HANDBOOK SMALL BUSINESSES AND LANDLORDS DISASTER RECOVERY PROGRAM HANDBOOK SMALL BUSINESSES AND LANDLORDS 2 3 About this hand book This handbook explains the disaster recovery programs offered by the Government of Alberta through the Alberta

More information

September 2015 Heavy Rainfall DO YOU QUALIFY? Answer the following questions to see if you might be eligible for assistance.

September 2015 Heavy Rainfall DO YOU QUALIFY? Answer the following questions to see if you might be eligible for assistance. Disaster Financial Assistance Program For Small Business Name of Event: Date of Event: September 30, 2015 Application Deadline: April 29, 2016 September 2015 Heavy Rainfall DO YOU QUALIFY? Answer the following

More information

DISASTER RECOVERY PROGRAM HANDBOOK NOT-FOR-PROFIT ORGANIZATIONS, INSTITUTIONS AND CONDO ASSOCIATIONS

DISASTER RECOVERY PROGRAM HANDBOOK NOT-FOR-PROFIT ORGANIZATIONS, INSTITUTIONS AND CONDO ASSOCIATIONS DISASTER RECOVERY PROGRAM HANDBOOK NOT-FOR-PROFIT ORGANIZATIONS, INSTITUTIONS AND CONDO ASSOCIATIONS 2 3 About this hand book This handbook explains the disaster recovery programs offered by the Government

More information

Disaster Recovery Program Small Business and Rental Property Application Process and General Information

Disaster Recovery Program Small Business and Rental Property Application Process and General Information To the Applicant during and immediately after the event: Mitigate your losses by taking reasonable action to reduce damage. Take photographs of all damaged property, including the interior and exterior

More information

DISASTER RECOVERY PROGRAM HANDBOOK AGRICULTURAL OPERATIONS

DISASTER RECOVERY PROGRAM HANDBOOK AGRICULTURAL OPERATIONS DISASTER RECOVERY PROGRAM HANDBOOK AGRICULTURAL OPERATIONS 2 3 About this hand book This handbook explains the disaster recovery programs offered by the Government of Alberta through the Alberta Emergency

More information

CADRI HOMEOWNER PROPERTY INSURANCE SURVEY REPORT

CADRI HOMEOWNER PROPERTY INSURANCE SURVEY REPORT CADRI HOMEOWNER PROPERTY INSURANCE SURVEY REPORT NOVEMBER 2015 1 INTRODUCTION The Canadian Association of Direct Relationship Insurers (CADRI) is a trade association representing insurance companies who

More information

Application for Landlords and Tenants

Application for Landlords and Tenants Application for Landlords and Tenants This application is for landlords in the private market who wish to adapt a unit rented to an eligible tenant with a permanent disability or diminished ability. Part

More information

Finances. Table 1: Insured Policies. 2005, Center on Federal Financial Institutions 3

Finances. Table 1: Insured Policies. 2005, Center on Federal Financial Institutions 3 The Center on Federal Financial Institutions (COFFI) is a nonprofit, nonpartisan, nonideological policy institute focused on federal insurance and lending activities. original issue date: August 10, 2005,

More information

DISASTER FINANCIAL ASSISTANCE

DISASTER FINANCIAL ASSISTANCE DISASTER FINANCIAL ASSISTANCE Questions and Answers Revised February 2011 Page 1 Who is responsible for taking action during a local emergency like a flood? Under the Civil Emergency Measures Act, Community

More information

Guide to Buying Homeowner s Insurance

Guide to Buying Homeowner s Insurance Guide to Buying Homeowner s Insurance As a homeowner, you know that there are many costs associated with ownership. Not only do you have a lot of money invested in the cost of the structure itself, you

More information

Provincial Disaster Assistance Program (PDAP) 2015 General Claim Guidelines. General Claim Guidelines Effective April 1 st, 2015

Provincial Disaster Assistance Program (PDAP) 2015 General Claim Guidelines. General Claim Guidelines Effective April 1 st, 2015 Provincial Disaster Assistance Program (PDAP) 2015 General Claim Guidelines Provincial Disaster Assistance Program (PDAP) General Claim Guidelines Effective April 1 st, 2015 2015 PDAP General Claim Guidelines

More information

Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) Policy Statement

Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) Policy Statement Government of Newfoundland and Labrador Fire and Emergency Services - NL Newfoundland and Labrador Disaster Financial Assistance Program (NL-DFAP) Policy Statement Introduction Fire and Emergency Services-Newfoundland

More information

Q&A. Questions and Answers on Insurance for Housing Co-operatives. What insurance does our housing co-operative need?

Q&A. Questions and Answers on Insurance for Housing Co-operatives. What insurance does our housing co-operative need? Q&A Questions and Answers on Insurance for Housing Co-operatives What insurance does our housing co-operative need? You need at least five kinds of insurance perhaps more, depending on your circumstances.

More information

DISASTER RECOVERY PROGRAM HANDBOOK HOMEOWNERS AND TENANTS

DISASTER RECOVERY PROGRAM HANDBOOK HOMEOWNERS AND TENANTS DISASTER RECOVERY PROGRAM HANDBOOK HOMEOWNERS AND TENANTS 2 3 3 About this hand book This handbook explains the disaster recovery programs offered by the Government of Alberta through the Alberta Emergency

More information

Ontario s New Disaster Recovery Assistance Programs FONOM/MMAH Northeastern Municipal Conference May 12, 2016

Ontario s New Disaster Recovery Assistance Programs FONOM/MMAH Northeastern Municipal Conference May 12, 2016 Ontario s New Disaster Recovery Assistance Programs 2016 FONOM/MMAH Northeastern Municipal Conference May 12, 2016 Purpose This presentation is intended to provide a helpful overview of the Disaster Recovery

More information

CITY OF HAMILTON PUBLIC WORKS DEPARTMENT Hamilton Water Division

CITY OF HAMILTON PUBLIC WORKS DEPARTMENT Hamilton Water Division CITY OF HAMILTON PUBLIC WORKS DEPARTMENT Hamilton Water Division TO: Chair and Members Public Works Committee COMMITTEE DATE: June 1, 2015 SUBJECT/REPORT NO: WARD(S) AFFECTED: PREPARED BY: SUBMITTED BY:

More information

Lake Manitoba Financial Assistance Program (LMFAP)

Lake Manitoba Financial Assistance Program (LMFAP) Lake Manitoba Financial Assistance Program (LMFAP) Part B Agricultural Infrastructure, Transportation and Crop/Forage Loss Component Frequently Asked Questions 1. What is the purpose of Part B? The Province

More information

Is the Apartment in my House Legal?

Is the Apartment in my House Legal? Is the Apartment in my House Legal? THE CITY OF ORILLIA S GUIDE TO APARTMENTS IN HOUSES Legal Means: Complies with the Planning Act and/or City s Zoning By-law Building Permit for the apartment has been

More information

Peace of mind that no earthquake can shake.

Peace of mind that no earthquake can shake. California Earthquake Authority Your Guide to Earthquake Insurance Peace of mind that no earthquake can shake. Policy information for owners of Homes and Mobilehomes. Five reasons to buy a CEA policy.

More information

Frequently Asked Questions about Physical Disaster Business Loans

Frequently Asked Questions about Physical Disaster Business Loans Frequently Asked Questions about Physical Disaster Business Loans Q. How much can I borrow? A. The amount of money that the SBA will lend you will be based upon the actual cost of repairing or replacing

More information

For more information about SBA s disaster assistance programs, visit www.sba.gov/disaster or call our disaster assistance center at 1-800-659-2955.

For more information about SBA s disaster assistance programs, visit www.sba.gov/disaster or call our disaster assistance center at 1-800-659-2955. SBA Many communities are still feeling the effects of Superstorm Sandy, including power outages and flooding. The importance of listening to instructions and safety information from your local officials

More information

The Integration of FEMA & Insurance

The Integration of FEMA & Insurance The Integration of FEMA & Insurance FEMA Programs Individual Assistance Public Assistance Hazard Mitigation NFIP FMAG 2 Applicable Laws & Regulations Robert T. Stafford Disaster Relief and Emergency Assistance

More information

Assistance To Municipalities For Disaster Recovery How To Complete Public Damage Report

Assistance To Municipalities For Disaster Recovery How To Complete Public Damage Report Assistance To Municipalities For Disaster Recovery How To Complete Public Damage Report 1. Please fill in all appropriate answers on the Public Damage Report and the Summary of Repairs to Public Facilities

More information

THE REGIONAL MUNICIPALITY OF YORK

THE REGIONAL MUNICIPALITY OF YORK THE REGIONAL MUNICIPALITY OF YORK Housing York Inc. Report of the General Manager and Treasurer WRITE-OFF FORMER TENANT BAD DEBTS 2013 1. RECOMMENDATION It is recommended that: 1. The Board of Directors

More information

Understanding the claim process. Your catastrophe claim.

Understanding the claim process. Your catastrophe claim. Understanding the claim process. Your catastrophe claim. When damage happens, we can get your claim moving quickly. When severe weather or a catastrophic event occurs, Encompass understands your need to

More information

PROCEDURES FOR FILING MAJOR LOSS PROPERTY INSURANCE CLAIMS (revised eff. 5-1-14)

PROCEDURES FOR FILING MAJOR LOSS PROPERTY INSURANCE CLAIMS (revised eff. 5-1-14) APPENDIX 4: PROCEDURES FOR FILING MAJOR LOSS PROPERTY INSURANCE CLAIMS (revised eff. 5-1-14) The Risk Management Office (RMO) will be the point of contact for any large property loss, or disaster, in order

More information

Alberta Emergency Management Agency Disaster Recovery Program Review. Final Report May 31, 2012

Alberta Emergency Management Agency Disaster Recovery Program Review. Final Report May 31, 2012 Alberta Emergency Management Agency Disaster Recovery Program Review Final Report May 31, 2012 Table of Contents Executive Summary... 3 Introduction... 5 Project Objectives... 5 Approach and Scope... 6

More information

/ business. Small steps toward preparing your business for emergencies

/ business. Small steps toward preparing your business for emergencies / business Small steps toward preparing your business for emergencies Step 4: Insurance THE GOAL: Make sure you have insurance that will enable you to get back into business after a disaster. Finding the

More information

RUNNING A BUSINESS FROM HOME

RUNNING A BUSINESS FROM HOME RUNNING A BUSINESS FROM HOME A number of circumstances and developments have come together over the past couples of decades to make a home-based business, once practically unknown, a common fact of business

More information

Building the Capital Partnership. Growing Housing Needs and Effective Edmonton Solutions

Building the Capital Partnership. Growing Housing Needs and Effective Edmonton Solutions Building the Capital Partnership Growing Housing Needs and Effective Edmonton Solutions Introduction The City of Edmonton is pleased to present to the Affordable Housing Task Force. This document outlines

More information

Personal property insurance: homeowner and auto insurance.

Personal property insurance: homeowner and auto insurance. Insurance and Social Insurance Personal property insurance: homeowner and auto insurance. Agenda Homeowners Insurance Basics Analysis of Homeowners 3 Policy Section I Coverages Section I Perils Insured

More information

Marin County Structure Elevation Program Frequently Asked Questions

Marin County Structure Elevation Program Frequently Asked Questions Marin County Structure Elevation Program Frequently Asked Questions What is the purpose of the Marin County Structure Elevation Program? The purpose of the program is to provide federal assistance to homeowners

More information

HAZARD MITIGATION ASSISTANCE (HMA) TOOL FOR IDENTIFYING DUPLICATION OF BENEFITS

HAZARD MITIGATION ASSISTANCE (HMA) TOOL FOR IDENTIFYING DUPLICATION OF BENEFITS HAZARD MITIGATION ASSISTANCE (HMA) TOOL FOR IDENTIFYING DUPLICATION OF BENEFITS Hazard Mitigation Grant Program, Pre-Disaster Mitigation Program, Flood Mitigation Assistance Program October 2012 INTRODUCTION

More information

landlords residential property insurance product disclosure statement and policy

landlords residential property insurance product disclosure statement and policy landlords residential property insurance product disclosure statement and policy This is general advice only and does not take into account your individual objectives, financial situation or needs ( your

More information

GUIDE TO THE RIGHT TO ACQUIRE. May 2015

GUIDE TO THE RIGHT TO ACQUIRE. May 2015 GUIDE TO THE RIGHT TO ACQUIRE May 2015 Guide to the Right to Acquire Introduction The Right to Acquire is a scheme giving eligible tenants of Registered Providers which are mainly housing associations,

More information

Hurricane Preparation and Response Insurance & Risk Management AAPA

Hurricane Preparation and Response Insurance & Risk Management AAPA Hurricane Preparation and Response Insurance & Risk Management December 6-7, 2012 AAPA Miami, Florida Risk Management Pre Loss Planning What to do before a loss: Identification of insurance policies that

More information

Comprehensive Landlord Insurance Policy Summary

Comprehensive Landlord Insurance Policy Summary Comprehensive Landlord Insurance Policy Summary This document provides a summary of the cover provided. Full details can be found in the policy wording, which is available online at homelet.co.uk or by

More information

THE CHURCH OF ENGLAND PENSIONS BOARD

THE CHURCH OF ENGLAND PENSIONS BOARD THE CHURCH OF ENGLAND PENSIONS BOARD Retirement Housing SHARED OWNERSHIP BOOKLET Information Booklet for Scheme Applicants Housing Department The Church of England Pensions Board, 29 Great Smith Street,

More information

CONSUMER'SGUIDE. A Consumer s Guide to WHAT TO DO IN THE EVENT OF DISASTER. from your North Carolina Department of Insurance

CONSUMER'SGUIDE. A Consumer s Guide to WHAT TO DO IN THE EVENT OF DISASTER. from your North Carolina Department of Insurance CONSUMER'SGUIDE A Consumer s Guide to WHAT TO DO IN THE EVENT OF DISASTER from your North Carolina Department of Insurance A MESSAGE FROM YOUR INSURANCE COMMISSIONER We all want to remain safe and secure,

More information

Property Tax Rebate for Seniors Frequently Asked Questions

Property Tax Rebate for Seniors Frequently Asked Questions Property Tax Rebate for Seniors Frequently Asked Questions Q1. I have not heard of the program before now. Why is the program not more widely advertised? A. The Property Tax Rebate for Seniors Program

More information

Flood Damage: The Hidden Cost of Climate Change

Flood Damage: The Hidden Cost of Climate Change LCERPA Commentary No. 2016-4 May 2016 Flood Damage: The Hidden Cost of Climate Change Derek Ensing, Department of Economics, Wilfrid Laurier University Climate Choices Canada Commentary 1 Flood Damage:

More information

ESF 14. Long-Term Community Recovery

ESF 14. Long-Term Community Recovery 1. Purpose This annex provides an overview of the general process to be followed in recovering from the economic results of a natural disaster or other major emergency that may impact Coos County. It outlines

More information

The insurance company is also responsible for reasonable towing or storage charges on your vehicle until you receive written notice otherwise.

The insurance company is also responsible for reasonable towing or storage charges on your vehicle until you receive written notice otherwise. If you have been in an automobile accident that is not your fault and your vehicle is damaged, you do have certain rights. If total property damage from the wreck to all damages appears to be over $1,000.00,

More information

NYSDEC Optional Additional Language Model Local Law for Flood Damage Prevention Optional Additional Language

NYSDEC Optional Additional Language Model Local Law for Flood Damage Prevention Optional Additional Language NYSDEC General Comments. The contains language that complies with the floodplain management requirements of the National Flood Insurance Program (NFIP) contained in federal regulations 44 CFR 60.3 through

More information

STATEMENT OF RESOURCES TO ADDRESS CLAIMS ARISING FROM ACCIDENTS INVOLVING VEHICLES OPERATED ON UNIVERSITY BUSINESS

STATEMENT OF RESOURCES TO ADDRESS CLAIMS ARISING FROM ACCIDENTS INVOLVING VEHICLES OPERATED ON UNIVERSITY BUSINESS STATEMENT OF RESOURCES TO ADDRESS CLAIMS ARISING FROM ACCIDENTS INVOLVING VEHICLES OPERATED ON UNIVERSITY BUSINESS This statement contains a general description of resources available in connection with

More information

Ministry of Justice. Financial Management of Emergency Response Costs during Provincial Activations

Ministry of Justice. Financial Management of Emergency Response Costs during Provincial Activations Ministry of Justice Financial Management of Emergency Response Costs during Provincial Activations March 2013 Record of Amendments Date Amendment Page # Page 3 of 25 Financial Management Support Annex

More information

TIPS FOR TENNESSEE DISASTER VICTIMS 1. REGISTER FOR ASSISTANCE WITH FEMA.

TIPS FOR TENNESSEE DISASTER VICTIMS 1. REGISTER FOR ASSISTANCE WITH FEMA. WHAT NOW? TIPS FOR TENNESSEE DISASTER VICTIMS 1. REGISTER FOR ASSISTANCE WITH FEMA. If you have sustained any damage, register for assistance at www.disasterassistance.gov/daip_en.portal (Pre screening

More information

Understanding your property claim

Understanding your property claim Understanding your property claim Getting back to normal If you sustain damage to your building or business property: Consult your Travelers Canada claim professional about steps you can take to prevent

More information

Guide to Funding a Major Adaptation

Guide to Funding a Major Adaptation Guide to Funding a Major Adaptation August 2010 Contents Contents... 1 Introduction... 1 Chapter 1: Policy and funding framework... 2 The importance of tenure... 2 The policy framework... 2 Overview of

More information

Online Student Loan Application

Online Student Loan Application Online Student Loan Application Need Help - Spousal Instructions Spousal Instructions - Table of Contents Spouse Demographics................................................................. 2 Spouse Expense...

More information

Submission to the Select Committee on The Landlord & Tenant Act

Submission to the Select Committee on The Landlord & Tenant Act Submission to the Select Committee on The Landlord & Tenant Act Residential Landlord Coalition September 30, 2010 We are making this submission to the Select Committee that is undertaking the review of

More information

Ontario Works Policy Directives

Ontario Works Policy Directives Ontario Works Policy Directives 5.11 Farm Income Legislative Authority Section 7(3) of the Act. Sections 39(1), 48 and 54(1)1 and 54(1)6 of Regulation 134/98. Audit Requirements Random file reviews are

More information

APPLYING FOR AUTO INSURANCE. What do I need to know to fill out an automobile insurance application?

APPLYING FOR AUTO INSURANCE. What do I need to know to fill out an automobile insurance application? APPLYING FOR AUTO INSURANCE What do I need to know to fill out an automobile insurance application? Here is some of the information you ll need to provide on an automobile insurance application: 1. Vehicle

More information

Notice that you must leave a brief guide for landlords and tenants. housing

Notice that you must leave a brief guide for landlords and tenants. housing Notice that you must leave a brief guide for landlords and tenants housing Notice that you must leave This booklet explains the basic rules about bringing a residential tenancy (or licence) to an end:

More information

Property Left Behind When a Tenant Moves Out

Property Left Behind When a Tenant Moves Out Property Left Behind When a Tenant Moves Out Information in this brochure The Residential Tenancies Act (the Act) contains a number of rules about how to deal with a tenant s that is left behind when the

More information

Water is beautiful. Until it isn t.

Water is beautiful. Until it isn t. Water is beautiful. Until it isn t. Protection from overland water damage an industry first from Aviva* Welcome to Aviva Water Protection We re proud to be the first insurer to offer overland water protection

More information

DECISION. The parties gave affirmed testimony and this matter proceeded on its merits.

DECISION. The parties gave affirmed testimony and this matter proceeded on its merits. DECISION Dispute Codes: MNDC, RR, FF Introduction This is the Tenant s application for a monetary order for compensation for damage or loss; to allow the Tenant to reduce rent for repairs, services or

More information

Recommended Salary Guidelines and Group Benefits Information for 2014!

Recommended Salary Guidelines and Group Benefits Information for 2014! Recommended Salary Guidelines and Group Benefits Information for 2014 Manitoba Baptist Association The Recommended Salary Guidelines have been developed with the goal of fairly compensating pastors for

More information

Home and Automobile Insurance Guide

Home and Automobile Insurance Guide Home and Automobile Insurance Guide General Information Finding the best insurance policies to suit your needs can be a complex and confusing business. To help you, we have addressed questions and defined

More information

Servicing Guide Announcement SVC-2012-04 March 14, 2012

Servicing Guide Announcement SVC-2012-04 March 14, 2012 Servicing Guide Announcement SVC-2012-04 March 14, 2012 Updates to Lender-Placed Property Insurance and Hazard Insurance Claims Processing Many borrowers are experiencing significantly increased costs

More information

TERMS & CONDITIONS FULLY MANAGED SERVICE

TERMS & CONDITIONS FULLY MANAGED SERVICE TERMS & CONDITIONS FULLY MANAGED SERVICE For the purpose of this agreement the following definitions will apply:- Keywest Estate Agents Ltd shall be known as The Agent... shall be known as The Owner..

More information

Highlights of the 2016 British Columbia Budget

Highlights of the 2016 British Columbia Budget Highlights of the 2016 British Columbia Budget February 16, 2016 No. 2016-08 British Columbia Finance Minister Michael de Jong delivered the province s 2016 budget on February 16, 2016. The budget anticipates

More information

Disaster Recovery Financial Assistance

Disaster Recovery Financial Assistance Disaster Recovery Financial Assistance Recovering from a disaster is a partnership effort among local, state and federal government agencies in conjunction with private and non-profit organizations. Rebuilding

More information

FREQUENTLY ASKED QUESTIONS Charging for Care

FREQUENTLY ASKED QUESTIONS Charging for Care GENERAL Q001. Will you be publishing a new CRAG and Fairer Charging Guidance? A001. Statutory guidance on charging for care and support under the Care Act 2014 is provided in the Care and Support Statutory

More information

Recommended Salary Guidelines and Group Benefits Information for 2011

Recommended Salary Guidelines and Group Benefits Information for 2011 Recommended Salary Guidelines and Group Benefits Information for 2011 Alberta Baptist Association The Recommended Salary Guidelines have been developed with the goal of fairly compensating pastors for

More information

The Regional Municipality of York. Write-Off Former Tenant Bad Debts

The Regional Municipality of York. Write-Off Former Tenant Bad Debts The Regional Municipality of York Housing York Inc. Report of the General Manager and Chief Financial Officer Write-Off Former Tenant Bad Debts 1. Recommendation It is recommended that: 1. The Board of

More information

INVESTMENT PROPERTY RECORD BOOK FOR LANDLORDS

INVESTMENT PROPERTY RECORD BOOK FOR LANDLORDS FOR LANDLORDS 1. INTRODUCTION TABLE OF CONTENTS 2. INFORMATION GUIDE FOR LOG 3. PROPERTY DETAILS AND CONTACTS PROPERTY ADDRESS MANAGING AGENT BODY CORPORATE TENANTS SOLICITOR ACCOUNTANT FINANCIER INSURANCE

More information

Canada Mortgage and Housing Corporation (CMHC) Input to Response

Canada Mortgage and Housing Corporation (CMHC) Input to Response QUESTIONNAIRE ON HOUSING FINANCING POLICIES AND PROGRAMMES BY THE SPECIAL RAPPORTEUR ON ADEQUATE HOUSING AS A COMPONENT OF THE RIGHT TO AN ADEQUATE STANDARD OF LIVING, AND ON THE RIGHT TO NON-DISCRIMINATION

More information

Basement Flooding Loan Program Resulting From a Sanitary Sewer Backup

Basement Flooding Loan Program Resulting From a Sanitary Sewer Backup Basement Flooding Loan Program Resulting From a Sanitary Sewer Backup Dear Owner: On April 1, 2009, Regional Council approved a Basement Flooding Loan Program for those residents who have experienced basement

More information

There is also Disaster Unemployment Assistance See Employment Law Section

There is also Disaster Unemployment Assistance See Employment Law Section FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA): DISASTER AWARDS What is FEMA? FEMA is the Federal Emergency Management Agency, which is responsible for providing and coordinating emergency services in Federally

More information

Permitting pets and waterbeds

Permitting pets and waterbeds Permitting pets and waterbeds Chapter 53: Permitting pets and waterbeds 491 Chapter 53 After reading this chapter, you will be able to: identify limitations to a tenant s right to keep a pet; and implement

More information

Dispute Resolution Services

Dispute Resolution Services Dispute Resolution Services Page: 1 Residential Tenancy Branch Office of Housing and Construction Standards DECISION Dispute Codes MND, MNDC, FF Introduction This hearing dealt with an Application for

More information

CONSOLIDATED REVENUE FUND OPERATING EXPENSES, CAPITAL EXPENDITURES AND FTE RECONCILIATION - 2004/05

CONSOLIDATED REVENUE FUND OPERATING EXPENSES, CAPITAL EXPENDITURES AND FTE RECONCILIATION - 2004/05 ESTIMATES, 05/06 177 FTEs Advanced Education Total Expense, Authorized FTEs and 2004/05 Estimates 1,898,849 4,105 217 Transfer from Ministry of Human Resources Emergency Social Services Training 450 Transfer

More information

Canadian Health Insurance

Canadian Health Insurance Case study Canadian Health Insurance TAX GUIDE using critical illness insurance January 2014 Life s brighter under the sun Sun Life Assurance Company of Canada is a member of the Sun Life Financial group

More information

LANDLORDS RESIDENTIAL PROPERTY INSURANCE INFORMATION

LANDLORDS RESIDENTIAL PROPERTY INSURANCE INFORMATION LANDLORDS RESIDENTIAL PROPERTY INSURANCE INFORMATION CGU s Landlords Residential Property Insurance policy is designed to fully meet your investment property insurance needs whether you own a flat, unit,

More information

1.6. Travellers may retain for personal use any loyalty program points (for example frequent flyer points) accumulated from University travel.

1.6. Travellers may retain for personal use any loyalty program points (for example frequent flyer points) accumulated from University travel. The University of British Columbia Board of Governors Policy No.: 83 Approval Date: November 2000 Last Revision: June 2005 Responsible Executive: Vice-President, Academic and Provost Vice-President, Learning

More information

Taylor William Letting and Estate Agents

Taylor William Letting and Estate Agents Taylor William Letting and Estate Agents Landlords Information Pack 108a Main Street Larbert FK5 3AS 1 Albert Place Main Street Maddiston, FK2 0JX Tel: 01324 559246 Tel: 01324 719989 Email: info@taylorwilliam.co.uk

More information

Financial and Other Resources

Financial and Other Resources Financial and Other Resources for People with Arthritis At some point in our lives, many of us find ourselves in need of support or financial assistance. There are many national and provincial programs

More information

MISSISSIPPI DEVELOPMENT AUTHORITY HOMEOWNER ASSISTANCE PROGRAM G U I D E L I N E S

MISSISSIPPI DEVELOPMENT AUTHORITY HOMEOWNER ASSISTANCE PROGRAM G U I D E L I N E S MISSISSIPPI DEVELOPMENT AUTHORITY HOMEOWNER ASSISTANCE PROGRAM G U I D E L I N E S MISSISSIPPI DEVELOPMENT AUTHORITY (MDA) HOMEOWNER ASSISTANCE PROGRAM G U I D E L I N E S The HOMEOWNER ASSISTANCE PROGRAM

More information

Dispute Resolution Services

Dispute Resolution Services Dispute Resolution Services Page: 1 Residential Tenancy Branch Office of Housing and Construction Standards DECISION Dispute Codes MNSD, FF Introduction This hearing dealt with cross applications. The

More information

EVS - Information Paper 1/13

EVS - Information Paper 1/13 EVS - Information Paper 1/13 ASSESSMENT OF VALUE OF INSURED DAMAGE 1 Introduction 2 Scope 3 Definitions 4 Recommendations 5 Assessment Methodology 6 Other Issues 7 References 1. Introduction 1.1. This

More information

Lesson 5. After a Disaster: Recovery and Hazard Mitigation Programs. Disaster Assistance

Lesson 5. After a Disaster: Recovery and Hazard Mitigation Programs. Disaster Assistance Introduction The previous four lessons focused on pre-disaster mitigation: developing a program, and writing and implementing a hazard mitigation plan. The Disaster Mitigation Act of 2000 (DMA 2000) encourages

More information

Individual Assistance Programs from FEMA

Individual Assistance Programs from FEMA Chapter 4: After the Disaster Individual Assistance Programs from FEMA FEMA (Federal Emergency Management Agency) and other federal, state, local, and volunteer agencies offer disaster assistance in several

More information

Landlord/Tenant Frequently Asked Questions

Landlord/Tenant Frequently Asked Questions Landlord/Tenant Frequently Asked Questions What Types of Claims Are Filed? Where Do I File a Landlord/Tenant Complaint? How Do I Go About Filing a Landlord/Tenant Complaint? What Are the Filing Fees? How

More information

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY

AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY AMENDATORY ENDORSEMENT NORTH CAROLINA PERSONAL AUTO POLICY This Endorsement amends the Policy as follows: I. DEFINITIONS The Definitions Section is amended as follows: A. The third paragraph is replaced

More information

Peace of mind that no earthquake can shake.

Peace of mind that no earthquake can shake. California Earthquake Authority Your Guide to Earthquake Insurance Peace of mind that no earthquake can shake. Policy information for owners of Condominiums. Five reasons to buy a CEA policy. 1. Excellent

More information

Amended Date of New & Revised Material Updates. How To Reach Us

Amended Date of New & Revised Material Updates. How To Reach Us Dwelling Fire Product Guide What s New Amended Date of New & Revised Material Updates How To Reach Us Phone / FAX / Email Home Office Agency Services Claims Customer Service (Billing) Marketing Materials

More information

COURSE OFFERINGS MANITOBA EMERGENCY MEASURES ORGANIZATION. Source:

COURSE OFFERINGS MANITOBA EMERGENCY MEASURES ORGANIZATION. Source: COURSE OFFERINGS MANITOBA EMERGENCY MEASURES ORGANIZATION Source: http://www.gov.mb.ca/emo/community/prepare/courses.html Course Offerings Manitoba Emergency Management (MEM) Incident Command Emergency

More information

2015 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables

2015 Annual Private Passenger Automobile & Homeowners Insurance Comparison Tables 2015 As required by law, the Utah Insurance Department has prepared this guide to auto and homeowners insurance. This annual guide provides general information about auto and homeowners insurance, and

More information

Auto insurance basics

Auto insurance basics Auto insurance basics By Nicholas Schidowka, President Insurance Cleveland Agency, LLC As an automobile owner and driver, most states require you to purchase car insurance. When buying a car insurance

More information

Frequently asked questions for advisors

Frequently asked questions for advisors 1. How does your client qualify for a reverse mortgage? To become eligible for a reverse mortgage, the borrower must be at least 62 years old and own their home And have enough equity in the house to pay

More information

City of Cincinnati Pamphlet Residential Lease Option Contract

City of Cincinnati Pamphlet Residential Lease Option Contract City of Cincinnati Pamphlet Residential Lease Option Contract PLEASE READ THIS BROCHURE CAREFULLY! YOU SHOULD READ THIS BROCHURE BEFORE YOU SIGN A LEASE WITH OPTION TO BUY AGREEMENT! This Pamphlet explains

More information

January 1, 2009. Group Umbrella Liability Insurance Plan MMC

January 1, 2009. Group Umbrella Liability Insurance Plan MMC January 1, 2009 Group Umbrella Liability Insurance Plan MMC Group Umbrella Liability Insurance Plan This optional insurance provides additional liability coverage above the limits of your personal insurance,

More information

Private tenancies: paying your rent

Private tenancies: paying your rent A guide Private tenancies: paying your rent Knowing your rights and accessing help with your rent 1 Private tenancies paying your rent This guide is for people who rent their homes from private landlords

More information

Abel Insurance Agency

Abel Insurance Agency After a wildfire, people may have questions about their insurance coverage. The Insurance Information Institute offers answers to some of these basic questions. HOMEOWNERS COVERAGE Q. If my house burns

More information

CHOOSING STRATA INSURANCE: A GUIDE FOR STRATA COUNCILS

CHOOSING STRATA INSURANCE: A GUIDE FOR STRATA COUNCILS Insurance for strata corporations is much more complex than insurance for single-family dwellings. This guide will give you the basic information you need to make a wise insurance decision, whether your

More information

NEW JERSEY COMPENSATION RATING & INSPECTION BUREAU EXPLORING THE COST OF A WORKERS COMPENSATION INSURANCE POLICY

NEW JERSEY COMPENSATION RATING & INSPECTION BUREAU EXPLORING THE COST OF A WORKERS COMPENSATION INSURANCE POLICY NEW JERSEY COMPENSATION RATING & INSPECTION BUREAU EXPLORING THE COST OF A WORKERS COMPENSATION INSURANCE POLICY 2007 INTRODUCTION This booklet provides a basic explanation of how the cost of a New Jersey

More information

March 2000 Individual and Family Grants FEMA FEDERAL EMERGENCY MANAGEMENT AGENCY

March 2000 Individual and Family Grants FEMA FEDERAL EMERGENCY MANAGEMENT AGENCY March 2000 Individual and Family Grants FEMA FEDERAL EMERGENCY MANAGEMENT AGENCY CFDA 83.543 INDIVIDUAL AND FAMILY GRANTS I. PROGRAM OBJECTIVE The Individual and Family Grants (IFG) program is a cost-shared

More information

Getting Bonded and Insured to Protect Your Business

Getting Bonded and Insured to Protect Your Business Getting Bonded and Insured to Protect Your Business Must be bonded and insured. If you operate a business, you re no doubt familiar with this phrase. For many entrepreneurs, it raises a number of questions:

More information