Disaster Financial Assistance: What You Need to Know
In the Sea-to-Sky region, we’re no strangers to the power of nature. From earthquakes, flooding and wildfires to landslides, severe events can cause major damage in our communities. While many people expect government programs to provide full recovery support, Disaster Financial Assistance (DFA) is far more limited than most realize.
When DFA Comes Into Play:
DFA is only available if the provincial government declares the event eligible — for example, a major flood, wildfire, or landslide. Even then, it applies only to essential needs, such as structural repairs to your home or critical systems like heating and water. You must also apply within a strict timeline, typically 60–90 days, and coverage is not guaranteed if insurance could have applied.
What DFA Doesn’t Cover:
DFA is not designed to replace everything you’ve lost. It won’t cover personal belongings, upgrades, or non-essential property. And it doesn’t pay out automatically — you must submit an application and qualify under the program rules. Its purpose is to help restore basic safety, not to rebuild your home or business fully.
Why Insurance Makes the Difference:
Insurance remains the most reliable protection against the unexpected. Unlike DFA, a comprehensive insurance policy gives you broader coverage, quicker access to funds, and support that extends beyond bare-minimum repairs. In a region like Squamish, where mountain weather and changing conditions can increase risks, having the right coverage is one of the smartest ways to protect your home, family, and livelihood.
Final Word:
DFA can provide limited help after a disaster, but it will never replace the peace of mind that comes with strong insurance coverage. At InsureBC Squamish, our team is here to review your policies and make sure you’re prepared for whatever comes your way.
