Eligible expenses in the event of flooding

Several expenses are eligible for assistance in the event of flooding.

Temporary preventive measures

Examples:
Such measures include moving furniture and equipment to a higher floor, installing sandbags, installing or monitoring pumps, boarding up openings, building a dike, or digging a ditch.

Property owners will receive $125 per day from the first to the last day during which the measures are taken.

Tenants will receive $75 per day from the first to the last day during which the measures are taken.

A maximum of $5 000 can be granted. No supporting documents are required.

Temporary accommodation and supplies

Example:
You must leave your home for reasons of public safety or to have work carried out.

You will receive $20 per day from the fourth to the 100th day for each person evacuated or $1 000 per month per residence when major damage occurs (up to a maximum of six months).

Moving and storage

Example:

You move your furniture or store it elsewhere to carry out work following a disaster.

You can receive up to $1 000. Receipts must be submitted.

Essential movable property

Examples:
Stoves, ovens, refrigerators, bedroom furnishings, and so on.

Consult the indemnities for essential movable property to determine the maximum amount granted for each item.

You must submit proof of the damage (photos).

The amount can be reduced according to:

  • the level of water that infiltrated the residence;
  • the duration of the flooding;
  • the site where the property was stored.

Emergency work

Examples :
Pumping water, demolition, cleaning, disinfection, extermination, and so on.

If you performed all the work yourself, you will receive an indemnity that varies according to the water level reached and the characteristics of your residence. No supporting documents are required.

If a contractor performed the work, you will receive financial assistance equivalent to 90% of the reasonable expenses incurred for the emergency work. Receipts must be submitted.

If you did some of the work yourself, you will receive an indemnity based on the water level reached and the characteristics of your residence. You will receive 25% of the indemnity for the portion of the work you did and 90% of the reasonable expenses incurred for the portion of the work done by the company.

Receipts are required for work done by a company. For demolition work, you must ensure that the company has a valid licence from the Régie du bâtiment du Québec.

Consult the indemnities for emergency work.

Temporary work

Examples :
Temporarily restore electricity, install minimal insulation, board up openings, and perform work warranted for reasons of public safety.

You will receive financial assistance equivalent to 90% of reasonable expenses incurred. Receipts must be submitted. Consult the Ministère de la Sécurité publique to determine the eligible temporary work warranted for reasons of public safety.

Damage to the residence

Examples:
Finish work in damaged rooms, work on the residence’s shell, repairs to damaged foundations, the replacement or repair of a septic tank, and so on

If the damage is only to the basement of your residence, you will receive an indemnity equivalent to 90% of the amounts awarded for reconstruction work. In addition to these benefits, you will be entitled to assistance equal to 90% of the reasonable expenses incurred for specialized or structural work, upon submission of bids and receipts.

If the water reached the ground floor or major work is required (e.g., rebuilding the foundations, structural work, etc.), you will receive financial assistance equivalent to 90% of the damage indicated on the damage report produced by a damage assessment expert.

Financial assistance may not exceed one of the following amounts:

  • the new cost of your residence;
  • a maximum of $210 000 (or a maximum of $275 000 if your residence includes a dwelling unit).1

Following the damage assessment, a municipality may refuse to issue a permit for repair or reconstruction if the damage is deemed too extensive. However, if the municipality has included costs for improvements in its total damage assessment, the Ministère de la Sécurité publique may refuse to consider the mandatory demolition permit.

Examples of improvement work: costs incurred for adding extra rooms or increasing the living space, expenses for flood-proofing work, etc.).

Consult the Ministère de la Sécurité publique to determine the amount to which you could be entitled.

Risk mitigation measures

Examples:
The purchase or installation of a sump pump, the relocation of a water heater, furnace, or service box above the flood threshold, and so on.

You will receive financial assistance equal to 90% of the reasonable costs incurred but not exceeding the new cost of your residence or a maximum of $210 000 (or $275 000 if your residence includes a dwelling unit).1 Bids can be submitted for approval prior to work being initiated. Receipts are required.

Flood-proofing

Flood-proofing consists in applying various measures to protect your residence against possible flooding. If your municipality requires the flood-proofing of your residence, financial assistance may be granted for the work and expenses stipulated in the report of an engineering firm in the following three cases:

  • the water has reached the ground floor.
  • the foundations or the concrete slab must be redone.
  • stabilization work is required as the residence has shifted from its original location.

Moving residence

Financial assistance could be granted to move your residence on the same lot or another lot to ensure its long-term safety. The residence must be moved in the same or an adjoining municipality. Consult the Ministère de la Sécurité publique to determine the amount to which you could be entitled.

Departure allowance

The departure allowance covers your relocation in a new residence and the demolition of your damaged residence. Consult the Ministère de la Sécurité publique to determine the amount to which you could be entitled.

Transfer of the lot to the municipality

Maximum allowed: value of the standardized municipal assessment of the lot.

The total assistance to move or demolish your residence and transfer your lot may not exceed $260 000 (or $340 000 if your residence includes a dwelling unit or your business)1.

Maximum financial assistance and successive floods

If your application for financial assistance reaches 50% of the new cost of your residence or a maximum of $100,000, the Ministère de la Sécurité publique will provide you with a departure allowance, assistance in relocating your residence, or assistance in flood-proofing your residence.

If you have already received financial assistance for flooding that occurred after April 10, 2019, the Ministère de la Sécurité publique will add the sum already paid to the amount of your new application. If the sum of these two amounts reaches 50% of the new cost of your residence or a maximum of $100,000, the Ministère de la Sécurité publique will offer you a departure allowance, assistance in relocating your residence, or assistance in flood-proofing your residence.

If you refuse any of these three options, you may be entitled to an amount to compensate for the damage to your residence.

Regardless of your choice, if your total claim reaches 50% of the new cost or a maximum of $100,000, your residence will then become ineligible for financial assistance in the event of future flooding. However, you may be eligible for an indemnity for your excess temporary accommodation and food expenses (e.g., hotel room, restaurant) as well as for any temporary preventive measures you have put in place.

No financial assistance will be provided if you have already received assistance to flood-proof or relocate your residence since April 10, 2019. However, you may be eligible for an indemnity for your excess temporary accommodation and food expenses (e.g., hotel room, restaurant) as well as for any temporary preventive measures you have put in place.

No financial assistance will be granted if your residence was built after April 10, 2019 in a 0-20 year flood recurrence zone.

Eligible expenses in the event of other disasters

Several expenses are eligible for assistance in the event of a disaster.

Temporary preventive measures

Examples:
Moving furniture to a higher floor, boarding up openings, building a dike, digging a ditch, and so on

You may be entitled to an amount equivalent to the minimum wage for each hour worked to implement temporary preventive measures.

You may also be entitled to the reimbursement of reasonable expenses incurred.

When you complete your application for financial assistance, you must specify the tasks that you performed to protect your residence and property.

A maximum of $5 000 can be granted.

Temporary accommodation and supplies

Example:
You must leave your home for reasons of public safety or to have work carried out.

The amount granted is $20 per day from the fourth to the 100th day for each person evacuated.

Moving and storage

Example:
You move your furniture or store it elsewhere to carry out work following a disaster.

A maximum of $1 000 can be granted.

Essential movable property

Examples:
Stoves, ovens, refrigerators, bedroom furnishings, and so on.

The amount of eligible damage is established according to the lesser of the following amounts:

  • the cost of repairing the property;
  • replacement with property of equivalent value;
  • the maximum amount stipulated for each item of property covered.

Consult the indemnities for essential movable property.

Emergency work and temporary work:

Examples of emergency work:
Pumping water, demolition, cleaning, disinfection, extermination, and so on.

Examples temporary work:
Temporarily restoring electricity, installing minimal insulation, boarding up openings.

The total assistance granted for emergency work and temporary work is reduced by $500.

Damage to the principal residence

Examples:
Finish work in damaged rooms, work on the building shell, repairs to damaged foundations, the replacement or repair of a septic tank, and so on.

You will receive financial assistance equivalent to 90% of the eligible damage without exceeding the new cost of your residence or a maximum or $210 000.1

Following the damage assessment, a municipality may refuse to issue a permit for repair or reconstruction if the damage is deemed too extensive. However, if the municipality has included costs for improvements in its total damage assessment, the Ministère de la Sécurité publique may refuse to consider the mandatory demolition permit.

Examples of improvement work: costs incurred for adding extra rooms or increasing the living space, expenses for flood-proofing work, etc.).

Moving the residence

Financial assistance could be granted to move your residence on the same lot or another lot to ensure its long-term safety. The residence must be moved in the same or an adjoining municipality. Consult the Ministère de la Sécurité publique to determine the amount to which you could be entitled.

Ground stabilization

You could receive assistance for the work and expenses stipulated in the report of an engineering firm to stabilize your lot. Consult the Ministère de la Sécurité publique to determine the amount to which you could be entitled.

Departure allowance

The departure allowance covers your relocation in a new residence and the demolition of your damaged residence. Consult the Ministère de la Sécurité publique to determine the amount to which you could be entitled.

Transfer of the lot to the municipality

Maximum allowed: value of the standardized municipal assessment of the lot.

The total assistance to move or demolish your residence and transfer your lot may not exceed $260 0001.

1. The maximum amounts indicated are applicable to claims filed after March 1, 2022.