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Prince Edward Island Disaster Financial Assistance Program: FAQs

What does the PEIDFA Program cover?
  • The program supports uninsurable losses and damage caused by the storm and resulting costs such as:
    • Repairing damage to a home (primary residences only)
    • Replacing personal property
    • Replacing or repairing business equipment or inventory
    • Clean-up costs
What is not covered with the PEIDFA Program? 
  • Repair or replacement expenses will not be eligible for financial assistance if the damaged property was insurable
  • Replacement of spoiled food 
  • Loss of income or revenue  
  • Damage to secondary property or investment property
What is meant by uninsurable losses?
  • Only uninsurable losses are eligible for reimbursement under the DFA program.
  • “Uninsurable losses” are the costs of repairing or replacing damage to contents (such as furniture, belongings, inventory, and equipment), your property (home or business, land, and detached structures) and the costs incurred from being displaced during any cleanup, repair or reconstruction that were not reasonably insurable.
  • “Insurable losses” are losses that would have been covered by the typical insurance policy that was reasonably available to you prior to the event occurring.
  • If you had insurance at the time of the event, you will be required to provide a signed denial letter from your insurance company.
How are small businesses defined under the DFA program?
  • Businesses with yearly gross revenues of at least $10,000 and up to $2 million and which employ no more than 20 employees are eligible to apply.
  • Applicant must be the sole proprietor or own at least 50% of the business and be the day-to-day manager of the business.
  • Assistance may be provided for damage to equipment and building structures that are required for the operation of the small business.
  • If a small business is housed in a residence and both sustain damage, then the applicant must submit two separate claims for assistance; one for the business and one for personal loss.
What is the maximum amount of assistance I will receive?
  • The maximum reimbursement is being reviewed and recommended by the government of PEI.
How much money will I receive back?
  • We are unable provide an amount for reimbursement until your application is processed and reviewed against the program guidelines as each case is unique and potentially complex.
  • The amount of financial assistance provided will be based on losses assessed and validated through the documentation provided in your application.
Is there a deductible for the Disaster Financial Assistance Program for Prince Edward Island?
  • There is no deductible for any eligible applicant (households, not-for-profit organizations, and small businesses) to the program. This has been waived by the Government of Prince Edward Island.

I submitted my application before the deadline, but I have additional documents to submit. How can I do that?
  • If you submitted your application, you can upload additional documents directly to your file by logging into your online application.
  • You can also email additional documents to peisupport@redcross.ca.
  • Or drop off in person at our local PEI office: 29 Paramount Dr, Charlottetown
  • Please ensure that your application number is noted on each document so that it can be directed to your file.
I am a residential applicant (homeowner or tenant) and I have performed personal cleanup of the property. What is the deadline to submit this part of my claim?
  • Residential applicants can claim personal cleanup hours performed on or before January 31, 2023. Cleanup hours logged after February 1st, 2023 will not be considered as part of the eligible claim.

What if I require professional tree cleanup / removal services? What is the deadline to submit costs of this nature?
  • Residential applicants have until September 30, 2023 to have the work completed by a professional (cleanup/debris removal services).
I am a Small Business or Not-for-profit applicant and I have personal cleanup hours and / or costs for professional tree cleanup / removal services to submit as part of my application. What is the deadline to submit this part of my claim?
  • Small Business and Not-for-profit applicants have until September 30, 2023 to submit cleanup hour log, supporting documents, and final invoices for professional cleanup/debris removal services of the affected property.

The status of my application is “In progress”. What does this mean?
  •  “In progress” means that you must still complete tasks in your application or that you have forgotten to hit the red ‘Submit’ button once your tasks were complete.
  • To ensure your application has been submitted for review, please log back into the application portal, make sure all mandatory tasks have a red checkmark and click the red ‘Submit’ button found at the bottom of the task bar.
  • You will then be able to review your application and documentation before your final submission by clicking “REVIEW”. If the information is correct, select the red ‘Submit’ button again and your application will be forwarded to our team for review.
  • Please note that if you did not hit the “Submit” button before the end of day on January 31, 2023, you will not be able to submit your application.
How do I know if my application has been submitted for review?
  • When your application has been successfully submitted, it will show as “submitted” with a red checkmark and the status will show as “under review’”.

How long does it take to hear back about my application?
  • The review team is working as fast as possible to review applications as they are received. As each application is unique and potentially complex, review times may vary. Some applications may require a damage assessment to be completed. The review team will be in touch to facilitate this process.
What kind of information or documents will I need to submit as part of my application?
  • A complete list of acceptable documentation can be found www.redcross.ca/PDFAP. Note:  the CRC may ask for more documentation when reviewing your application.
Who can I contact for additional support with my submitted application? Is the Canadian Red Cross providing in-person support for the PEIDFA Program? 
  • Canadian Red Cross staff provided Information and Engagement Sessions in December and January. To learn more about the program, you are encouraged to attend one of the following sessions PDFAP Information and Engagement Sessions.

What is the deadline to apply?
  • As of February 1, 2023 applications will no longer be accepted for the PEIDFAP as the deadline for submission was January 31, 2023. 
What other support is available to me as a PEI resident? Where can I find additional information about hurricanes and flooding?