Disbursement procedures

Following the analysis of your claim, you could receive an advance to cover the cost of temporary preventive measures introduced as well as the cost of temporary housing and supplies, etc. (i.e., hotels, restaurants). A lump-sum amount could also be provided to you ahead of time to enable the cleaning, replacement or repairing of damaged items, and this until such time as a damage report is prepared.

Upon the reception of the report prepared by the damage appraiser, a partial compensation for damages and an advance amount of 90% of the financial support with regard to damages could be paid out with regard to:

  • the eligible movable property damaged or rendered inaccessible due to the disaster;
  • the emergency work and temporary work;
  • reconstruction activities;
  • repairs to or replacement of damaged equipment and other elements. 

For all types of other eligible expenses (moving, storage, etc.), an advance for up to 90% of these expenses could be paid.

Upon presentation and acceptance of the supporting documents and according to the advancement of the work, a partial or final payment could be made to cover:

  • excess costs for temporary housing and supplies (e.g., hotels, restaurants);
  • temporary preventive measures;
  • the eligible movable property damaged or rendered inaccessible due to the disaster;
  • reconstruction activities;
  • repairs to or replacement of damaged equipment and elements;
  • emergency work and temporary work;
  • moving or storage fees;
  • work on the access road;
  • specialized work and structural work;
  • damage mitigation measures.

If you have flood-proofed, moved, or demolished your residence, a partial or final payment may be made, depending on the progress of the work, upon the receipt of the engineer’s certificate of compliance or the certificate of conformity of the municipality and the supporting documents.

For work done by a contractor, you must ensure that the contractor holds a valid licence issued by the Régie du bâtiment du Québec (RBQ) and appropriate for the work in question. Consult the register of RBQ licensees (French only). At your request, the assistance granted can be paid jointly with a financial institution, a contractor or a supplier.

Upon request, financial support can be paid out to you jointly (with a financial institution, a contractor or a supplier).

Time limit for completing work

You must perform the work within 18 months of receipt of the notification from the Ministère de la Sécurité publique of the damage that is deemed eligible.

In the case of imminent flooding, erosion or ground movement, this time limit begins on the date you indicated your choice between repairing your residence, receiving a departure allowance, relocating your residence or stabilizing your land.

The time limit can be extended if you show that it could not be complied with.