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Disaster Recovery Program (DRP)

1. Is the Disaster Recovery Program covering primary homes only for homeowners?

That is correct. Government’s priority is to ensure Albertans that lost their primary home have funding to assist with repairing or rebuilding. The program does not cover vacation or secondary homes. The number to call for DRP assistance is 1-888-671-1111.

2. How can I apply for the Disaster Recovery Program?

Applications for the Disaster Recovery Program are available online at Alberta.ca (http://alberta.ca/2013DisasterRecoveryPrograms.cfm) or by calling 1-888-671-1111.

3. How long do I have to submit my application?

No deadline has been set for submitting DRP applications. When you apply, you will receive an initial advance to help you start rebuilding or repairing. The rest of the support you qualify for will be provided as you submit receipts for eligible repairs. Applications for the Disaster Recovery Program are available online at Alberta.ca (http://alberta.ca/2013DisasterRecoveryPrograms.cfm) or by calling 1-888-671-1111.

4. How much will I receive if I qualify for the Disaster Recovery Program?

There is no set amount; support is based on your specific circumstances. Once your evaluation has been completed and a dollar amount has been assigned to your compensation, you will receive an itemized list of values for each component covered.

5. If I accept funding through the Disaster Recovery Program, will I be eligible for any future support?

Albertans who live outside the flood hazard areas, which is outlined on maps available online, will continue to qualify for any future Disaster Recovery programs that may impact you in the future.

If you live in the flood fringe, you will be required to put in place specific flood mitigation measures to be eligible for future flood-related assistance. Funding is available through the Disaster Recovery Program for these additional mitigation measures.

We are not encouraging people to rebuild in floodways. If you live in a floodway and choose to rebuild you will qualify for one-time Disaster Recovery Program support. Future support will not be available.

Rebuilding Alberta

Frequently Asked Questions

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6. If I accept Disaster Recovery Program funding will that go on my Land Title?

A Disaster Recovery Program funding notice indicates disaster recovery funding has been used to repair, restore or rebuild a property on the floodway or flood fringe as a result of the 2013 Southern Alberta or Wood Buffalo floods. It is placed on a land title after a homeowner receives DRP assistance. Only properties in floodways and flood fringes that access DRP funding will have the DRP notice. The DRP notice is the only notice being placed on land titles as a result of the recent flooding. The Disaster Recovery Program funding notice will be removed from land titles when it is certified that the requisite flood mitigation measures have been made in the flood fringe (detailed information on minimum individual flood mitigation measures are available at http://alberta.ca/Flood-Mitigation.cfm). Homes that no longer have a notification on their land title will be eligible for future flood-related Disaster Recovery Program funding. If a property is located in a floodway and received Disaster Recovery Program funding as a result of damages caused by the recent floods, the Disaster Recovery Program funding notice remains on the land title so that future homebuyers are aware that funding was received so the property is not eligible for future provincial program funding. Property-owners who received an advance Disaster Recovery Program payment may return the payment in order to avoid the Disaster Recovery Program notice.

7. When will the Disaster Recovery Program notice on the land title be removed? The Disaster Recovery Program funding notice will be removed from land titles when it is certified that the requisite flood mitigation measures have been made in the flood fringe. Homes that no longer have a notification on their land title will be eligible for future flood-related Disaster Recovery Program funding. If a property is located in a floodway and received Disaster Recovery Program funding as a result of damages caused by the recent floods, the Disaster Recovery Program funding notice remains on the land title so that future homebuyers are aware that funding was received so the property is not eligible for future provincial program funding. Property-owners who received an advance Disaster Recovery Program payment may return the payment in order to avoid the Disaster Recovery Program notice.

8. My property is half in the floodway and half in the flood fringe. Which applies, and

what funding am I eligible for?

The criterion is based on the building, not the property. If the building is in the flood fringe, but the remaining property is located in the floodway, you will be classified as in the flood fringe. If the building is in two zones, the owner can choose a set of rights and responsibilities.

9. Will the maps change?

All support is based on the flood maps currently available online at environment/alberta.ca.

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Flood maps are based on decades of water trends and do not get changed because of a specific event. However, they are regularly reviewed and updated as long-term trends evolve.

10. Do I still qualify for Disaster Recovery Program support if I have insurance for sewage back up that partially covers the damage to my home?

You will qualify for DRP support if you had overland flood damage above the sewer back up damage covered by insurance. When you apply, you will be asked to provide details of you insurance coverage as part of the application process. Applications for the Disaster Recovery Program are available online at Alberta.ca (http://alberta.ca/2013DisasterRecoveryPrograms.cfm) or by calling 1-888-671-1111.

11. My insurance coverage doesn’t cover sewage back-up if it happens at the same time as an overland flood. Do I qualify for the Disaster Recovery Program?

Yes. Applications for the Disaster Recovery Program are available online at Alberta.ca (http://alberta.ca/2013DisasterRecoveryPrograms.cfm) or by calling 1-888-671-1111.

12. I paid for my food and lodging out of my own pocket before I knew about the Disaster Recovery Program. Can I still be reimbursed?

Yes. You can apply for reimbursement through the DRP and reasonable costs will be covered. Applications for the Disaster Recovery Program are available online at Alberta.ca (http://alberta.ca/2013DisasterRecoveryPrograms.cfm) or by calling 1-888-671-1111.

Basic Level of Finish for Total Rebuilds

13. What do you mean by a basic level of finish?

The Disaster Recovery Program provides funds for basic level finishes. Examples include:

Vinyl siding

Asphalt shingles

Mid to high efficiency furnace

Vinyl flooring

Basic quality carpet

Basic quality cabinets and laminate counter tops

Standard finishing throughout including baseboards, closet doors, doors and towel racks

14. In most new homes, builders offer hardwood floors and granite countertops as standard products. Will these be covered?

We understand that with some home builders these are standard products. However, these products are of higher quality than the basic level finishes covered through the Disaster Recovery Program.

15. My neighbourhood has architectural controls that are beyond a basic level of finish, will these costs be covered by DRP?

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The government recognizes that some neighbourhoods have architectural controls such as exterior finishes and fences that are above the basic level of finish. Where these architectural controls form part of a municipal bylaw or are required by code, DRP will provide funding towards these costs.

16. What about the province’s commitment to rebuild homes to what they were prior to the flood?

The Government of Alberta is helping all affected families and individuals rebuild. The program is fair and equitable and honours our commitment to all Albertans that we will use taxpayers’ dollars wisely, not for enhancements.

17. If I want the upgrades I had in my home prior to the flood, does it come out of my pocket?

The Disaster Recovery Program can work in conjunction with any applicable home insurance; you will need to talk with your insurers about whether you have coverage for enhancements beyond the basic level of finish. If insurance does not cover these additional costs, it is up to you to determine whether you are willing to pay out-of-pocket for the upgrades.

Evaluators, Engineers and Evaluations

18. Who decides if a building is repairable? What if I disagree with the assessment of my home?

All homes in impacted communities are being evaluated as part of the Disaster Recovery Program by evaluators contracted by the province. If your home has not yet been evaluated, please call 1-888-671-1111.

The Disaster Recovery Program has an appeals process if you disagree with the assessed cost of repairs. More information about how to appeal is available at http://alberta.ca/2013DisasterRecoveryPrograms.cfm.

19. Are Disaster Recovery Program evaluators rewarded if they deny coverage top people making a claim?

No. Our evaluators work to provide as much coverage as possible under the program guidelines. The Disaster Recovery Program has an appeals process if you disagree with the assessed cost of repairs. More information about how to appeal is available at http://alberta.ca/2013DisasterRecoveryPrograms.cfm.

20. I had a private engineer assess the damage to the structure of my home before a Disaster Recovery Program engineer looked at it. Why did the DRP engineer indicate I would not be covered for some of the issues the engineer I hired pointed out?

Disaster Recovery Program funds are only provided for structural damage caused by the recent flood. The engineer you hired may have found structural issues that existed before the flood occurred. The engineers sent out by DRP are trained to recognize and

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differentiate between pre-existing structural damage and structural damage caused by flooding.

If there is a dispute, the Disaster Recovery Program has an appeals process. More information about how to appeal is available at http://alberta.ca/2013DisasterRecoveryPrograms.cfm.

21. The quote from my contractor to repair my home is higher than the estimate received from the Disaster Recovery Program, what should I do?

Please contact the Disaster Recovery Program at 1-888-671-1111 to discuss your concern with a program representative.

22. The Disaster Recovery Program engineer has assessed that my home is not safe because of the floods, but I cannot afford to make the needed changes while I wait for DRP money. What are my options?

If your home is deemed unsafe by a Disaster Recovery Program engineer and you cannot afford the necessary renovations, the provincial government will find an appropriate contractor and pay the contractor directly to get repairs started.

23. What’s the difference between a program evaluator and a program engineer?

After you complete and submit your Disaster Recovery Program application, the first person to visit your home and do an initial inventory on what is damaged is the Disaster Recovery Program evaluator. The Disaster Recovery Program engineer will only be called if the damage to the house is structural or there are safety issues.

Payments

24. Once I submit my application, how long will it take before I receive my cheque?

We are working hard to get advanced payment cheques issued within 14 days. Some applicants have not been able to provide all of the necessary documents up front, and we are continuing to work with them. Others, and there have been a number, have deferred their advances until they have a better idea of what repairs they need to make. If you have not received your funds, please contact the Disaster Recovery Program by calling 1-888-671-1111.

Minimum Individual Flood Mitigation Measures for Flood Fringe Owners

25. What does “flood mitigation” mean?

There are steps you can take to minimize the impact of a future flood on your home or buildings.

26. What is the difference between flood proofing and flood mitigation?

Unfortunately, there is almost no way to guarantee that a building is ‘flood proofed.’ ‘Flood mitigation’ is a more accurate way of describing how to reduce the potential flood damage.

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27. What are the minimum individual flood mitigation measures?

These measures are in place to help Albertans, including small businesses and registered not-for-profits, that own property in a flood fringe area minimize future damage. All of the measures relate to basements, where flood damage is most likely to occur.

Homeowners and small businesses located in the flood fringe must follow the minimum flood mitigation measures to be eligible for DRP funding. More information is available in the Building Code Bulletin – STANDATA (August 15, 2013) – Update: Disaster Recovery Program Flood Mitigation Measures

The new measures include:

In order to minimize moisture damage and or allow for easy disposal of flood-damaged materials, owners are required to have moisture resistant flooring, and have the choice to:

o leave the basement unfinished; o use cleanable and moisture resistant materials; or, o use disposable materials that will allow for easy repair.

The wellbeing of Albertans can be protected by providing a safe way to disconnect power in the event of a flood without having to access the basement and risk standing in water. Another consideration is to supply power to equipment safely to assist with repairs following a flood, such as electric water pumps and fans. Options include but are not limited to:

o re-location of the main electrical panel so it is not located in the basement; o installing a disconnect switch that is weather proof and secure on the outside of the

building; and, o installing a service panel in the garage and feed the house as a subpanel.

Seal openings around piping, wiring and conduits to prevent minimize water seepage.

To protect against sewer back-up, install backflow prevention devices.

28. How do I know if I have adequately mitigated my home?

When you are making repairs, it is important you obtain the safety codes permits required by your local municipality and that the work is inspected afterward. The inspection will be needed to prove the mitigations standards have been met.

29. How do I get funding to put these measures in place?

Funding for minimum mitigation measures is available through the Disaster Recovery Program. Applications are available online at Alberta.ca (http://alberta.ca/2013DisasterRecoveryPrograms.cfm) or by calling 1-888-671-1111.

30. What if I can’t afford to pay for repairs?

Arrangements can be made for the contractor to bill DRP directly for major repairs or construction, such as installing a new furnace or repairing an electrical system. For less intensive repairs, like replacing drywall, the DRP will give the property owner a flat-rate payment based on industry standards, which they may use to pay a contractor for the repairs.

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31. How can I go about hiring someone to make these changes to my home or business?

Working with a qualified, professional business or independent contractor is critical to ensuring your home renovations will be done properly and the business-client relationship is satisfactory.

At ServiceAlberta.ca you can find helpful tips before hiring a home inspector to check the condition of your house or hiring a contractor to help repair or rebuild.

32. If the work is done incorrectly, am I ineligible for future flood-related assistance?

If the work is done incorrectly and fails to meet the minimum flood mitigation measures, your property will not be eligible for future assistance. This is why you or your contractors should apply for the appropriate permits before work begins. By doing this, the work will be inspected during and after construction to ensure all work is done properly. The minimum individual flood mitigation measures must pass the final inspection in order for the property to be eligible for future Disaster Recovery Program assistance.

33. Why do all flood fringe homeowners not have to mitigate?

Ideally, everyone who lives in a flood fringe area would implement the mitigation measures. If they choose not to and received Disaster Recovery Program assistance, they will not be eligible for future flood-related support.

34. Why are mitigation measures only for the basement?

Typically, the basement is where there would be the most damage in a flood.

35. How can condo owners mitigate flooding and meet the new guidelines?

Your condo association can apply for Disaster Recovery Program assistance. In order to be eligible for future Disaster Recovery Program assistance the minimum individual flood mitigation measures must be taken for the entire building.

36. I already finished repairs before I was aware of the required minimum individual flood mitigation measures, will I get reimbursed for the work I need to undo now?

Yes, if you have started repairs and have to re-do them to meet the minimum individual flood mitigation measures, the Disaster Recovery Program will pay for both.

37. I had already put measures in place to protect my home; do I have to do more?

If you already meet the minimum mitigation measure requirements no additional work needs to be done. If you do require some additional measures to be put in place, funding support is available.

38. If I live or own a business in the floodway will I get money to mitigate?

No, mitigation funding is only available in the flood fringe. However, if you live in a floodway you will be eligible for relocation funding.

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Relocation

39. Who qualifies for relocation assistance?

Only those homeowners who live directly in the floodway of a community impacted by the floods qualify for relocation assistance.

40. If I live outside of the floodway, can I apply to be relocated?

No. As the property owner, you have the choice of using your Disaster Recovery Program funds to relocate, but you will need to remediate the original property before selling it. Additional funding for relocation expenses is unavailable for owners outside of floodways.

41. What if I'm on a floodway, but I haven't flooded yet? Will you pay me to relocate now before a flood happens?

The first priority will be to first help those with homes impacted by the recent flooding in Southern Alberta and Fort McMurray. At this time no proactive relocation is anticipated; Albertans can rest assured that this or a similar program will be available should they experience such a flood event in the future.

Other

42. Is the province considering a flood insurance policy?

We are not considering a flood insurance policy at this time. Right now our focus is to help rebuild communities hit by flooding by ensuring the Disaster Recovery Program is able to meet the needs Albertans with flood damage. The new policies we have announced are responsive and responsible to these needs.

43. I’m worried about a property in my neighbourhood. I haven’t seen the owners since the flood, and the condition of the building is creating a safety issue. What can I do?

If you see properties in unsafe conditions and the owners are not present, report the property to your municipality.

Land Titles

44. How will future buyers know whether a home ever flooded, if the home is in the flood fringe and if it will qualify for future Disaster Recovery Program support?

Future home buyers can check the property on the flood mapping hazard website. In addition, the Government of Alberta will work with the real estate sector to share flood mapping information with prospective buyers. If a home that received Disaster Recovery Program funding following the recent floods is rebuilt in a floodway or if the minimum mitigation measures in the flood fringe are not met, a

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notice will stay on the land title stating that funding was received and the property will not be eligible for future flood-related disaster program funding.

45. Why is the notice important?

The DRP notice informs future buyers the property will not be eligible for DRP assistance if a future flood occurs. Absence of the DRP notice will indicate that the property is eligible for future flood-related DRP funding

46. When will the Disaster Recovery Program notice on the land title be removed?

DRP Notices will be removed from flood fringe properties when the final inspection report from a safety codes officer proves the mitigation standards have been met. Once mitigation standards are met, the DRP Notice will be removed from your Land Title. This will ensure owners of flood fringe properties can apply for disaster assistance and get the help they need in the event of a future flood.

47. Can the DRP notice be removed from floodway properties?

If a property is located in a floodway, and received DRP funding as a result of damages caused by the 2013 floods, the notice remains on the land title so that future homebuyers are aware the property is not eligible for future provincial program funding if a flood occurs. Floodway owners may want to consider relocating. More information will be available regarding this option soon.

48. Does receiving the pre-loaded debit cards to me when I evacuated count as accessing Disaster Recovery Program funding? Does this mean a notice will be placed on my Land Titles?

No – the debit cards were not related to the Disaster Recovery Program. They were emergency funds for evacuees to use for day-to-day costs like food, hotels, and other personal items. The Disaster Recovery Program is for people who had uninsurable property damage because of the flooding. Property owners will not have a notice on their land title because they received a debit card.

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New Temporary Neighbourhoods

49. What is a new temporary neighbourhood?

The new temporary neighbourhoods provide short-term housing for Albertans who are unable to return home due to the flood and are currently residing in emergency or temporary accommodations. The housing units are manufactured homes that can accommodate singles, couples and families. There are family style units and dormitory style units. Depending on the unit, it may have living rooms, and a galley-style kitchen in addition to bedrooms and bathrooms. The new temporary neighbourhoods will be a family-friendly community environment developed with accessibility to essential services and amenities.

50. Where will the new temporary neighbourhoods be located?

New temporary neighbourhoods are being developed or considered in the communities of High River, Calgary, the Municipal District of Bighorn, and on the Siksika and Stoney Nakoda First Nation reserves.

51. When will the new temporary neighbourhoods be ready for residents to move in?

People have started to move in to the High River new temporary neighbourhood of Saddlebrook. Residents are continuing to move in as units become available. As development and site servicing is completed on other sites, those in need of new temporary neighbourhood accommodation will be moved in.

52. Who is eligible and how do I apply to live in these new temporary neighbourhoods?

If you are unable to return home to a community devastated by the floods, you may be eligible for short-term housing within the new temporary neighbourhoods. Priority of placement will be given to those currently living in hotels and dormitories; however, the intent is to have displaced residents moved into a home-like setting as soon as possible, so you can begin the process of rebuilding and re-establishing a community.

New temporary housing arrangements can be made through a registration process, which is available by calling 310-4455 or 1-866-825-4455 out-of-province between 8:00 a.m. and 6:00 p.m. from Monday to Friday.

53. Is it mandatory for evacuees to live in one of the new temporary neighbourhoods?

No, as an eligible resident, you may choose not to live in a new temporary neighbourhood and make your own housing arrangements. Some expenses may be eligible under the Disaster Recovery Program.

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54. What will it cost me to live in this temporary housing?

You would be provided with the first 90 days of occupancy rent free in order to allow an appropriate amount of time for you to sort out your affairs, including insurance and future housing arrangements. Room and board that will be charged after that is still being determined.

55. Do I have a choice of location?

Given the number of people to accommodate, units are allocated based on the needs identified during the housing registration process. If options are available, you will be informed at the time you are offered placement. Placements consider which site you feel would best meet your needs, whether neighbourhood services provide what you require, and take into account availability of units at the preferred location.

56. Will my family be housed together in one manufactured home/unit?

Families will be placed together in units that have living rooms and enough bedrooms to provide adequate accommodation.

57. Do individuals have their own private home/unit, or do they have to share space with a roommate?

Individuals and couples may be placed in shared dormitory style units, which include a living room and multiple bedrooms.

58. How much is the rent after the 90 days is over?

Room and board rates haven’t been determined yet.

59. How long can people stay in the new temporary neighbourhoods?

You can stay in the new temporary neighbourhood housing for as long as there is demonstrated need. It is expected once your primary residence is either remediated or rebuilt and deemed available for occupancy you will move back to your home.

60. Will I receive help with moving? Will transportation or moving expenses be covered?

Public and shuttle transportation has been arranged for moving into the new temporary neighbourhoods. If you need assistance moving, we encourage you to contact the Red Cross at 1-866-696-6484.

61. Where are these residents currently living?

A variety of arrangements have been made for residents who cannot return home due to the flood. They are situated in dormitories, hotels, and with friends or family. The Government of Alberta is working with nearby universities, hotels, and centres to house these individuals and families.

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62. How many people are registered to move into the new temporary neighbourhoods? How many are families, couples or individuals?

Approximately 2,600 people (1,100 households) have registered for housing assistance.

63. How much will it cost to run and maintain the new temporary neighbourhoods?

It is anticipated to cost approximately $150 per person/day to operate the new temporary neighbourhoods.

The Alberta government has worked with industry to secure the land and manufactured structures for the new temporary neighbourhoods. Operating costs include having the supplier provide set-up, removal, and operation of the sites.

64. How did you decide what company to source the housing units from?

New temporary neighbourhoods were sourced through the Emergency Operations Centre based on which providers were able to respond and had access to supply.

65. Is the cost of development and operation of the new temporary neighbourhoods paid solely by the provincial government or are the municipalities helping to pay for anything?

New temporary neighbourhoods are initially covered by the Alberta government and where eligible, costs will be shared with the federal government.

66. What happens to the housing units when the neighbourhoods are not needed? What happens to the land?

The new temporary neighbourhood will be removed and the land will be restored to its previous state.

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Small Business Programs

Loan Guarantee and Interest Rebate Programs

67. What is government’s plan for small businesses, agricultural producers and not-for-profit organizations impacted by the floods?

The government has introduced new programs to help small businesses and not-for-profits impacted by the floods get back on their feet.

The Hand-up Plan ‘consists of two programs:

The Alberta Flood Recovery Loan Guarantee Program available through participating financial institutions and the AFSC Alberta Flood Recovery Loan Program delivered by Agricultural Financial Services Corporation (AFSC) will provide low-interest loans up to $1 million.

The Alberta Flood Recovery Interest Rebate Program provides rebates of four per cent interest to those participating in the Alberta Flood Recovery Loan Guarantee Program and the AFSC Alberta Flood Recovery Loan Program. The government has also introduced the Small Business Rebuilding Program to help businesses affected by flooding if they have 21 to 50 full-time employees (FTEs).

These programs are in addition to the Disaster Recovery Program already underway. Other plans to help small businesses recover are being considered.

68. Why are these programs being offered?

More than 1,500 small businesses were impacted by the floods. They are an integral part of our economy and they need a “hand-up” to get back on their feet. A speedy recovery is an important part of Alberta’s rebuilding plan, ensuring the province’s economy remains strong and sustainable in the long run. Additionally, the approximately 400 affected not-for-profits have and will continue to play a vital role in helping communities recover.

Hand-up Plan

69. What are the eligibility requirements?

Must be a registered business (sole proprietorship, partnership, an Alberta Registered Company or association) or a registered not-for-profit society that:

o operated within High River, or o for businesses outside of High River, operated within the flood affected area

(same area as considered under the Disaster Recovery Program) and are able to demonstrate proof of loss.

Have proof of submission of a DRP or insurance claim and proof that the business was operating in the flood affected area at the time of the flooding.

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Must have filed a 2012 income tax return and, in the case of not-for-profit organizations, must also be registered.

Have gross revenues between $6,000 and $15 million for businesses.

Loan proceeds are to be devoted to re-establish/rebuild the business or organization.

Statutory declarations may be used as evidence for some program eligibility criteria.

70. Are First Nations enterprises eligible?

If you currently have a relationship with a financial institution, please contact them directly.

71. Are self-employed contractors eligible?

Yes, if the business meets the eligibility requirements.

72. Are small businesses located in the Regional Municipality for Wood Buffalo eligible?

Yes, if the business meets the eligibility requirements.

73. Are businesses with revenues of more than $15 million eligible?

No, revenues of this magnitude do not fit the definition of a small business.

74. I have a business in a community that was not flooded, but my operations were impacted. Am I eligible?

The Small Business Recovery Program is not designed to cover indirect impacts of the flood. In order to be eligible, the applicant must have a business or operation (e.g. job site) in the flood zone, and meet the other eligibility requirements of the Disaster Recovery Program (with the exception of FTEs, as the Small Business Recovery Program covers small businesses with 21-50 FTEs).

75. How do I confirm I am in a flood affected are?

The flood affected area is any community affected by the 2013 floods. This is different from the "flood hazard area" which is a technical term defined by the flood hazard maps. You do not have to be in the flood hazard area to qualify for small business support. Small business owners should apply to the program if:

your small business was impacted by the June 2013 floods in the Regional Municipality of Wood Buffalo or Southern Alberta;

you have already applied to the 2013 Disaster Recovery Program; and/or

have submitted an insurance claim related to the flooding.

76. How long will applications be accepted?

We are currently accepting applications, and will do so until December 31, 2013.

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77. Who will pay for these programs?

The Government of Alberta is guaranteeing 75 per cent of all loans under the Alberta Flood Recovery Loan Guarantee Program. Government is bearing the full cost of the Alberta Flood Recovery Interest Rebate Program.

78. What is the total cost of these programs?

The Alberta Flood Recovery Loan Guarantee Program will cost about $21 million with an additional $450,000 to administer the program.

The Alberta Flood Recovery Interest Rebate Program will cost about $48 million to cover the cost of the program and an additional $1.38 million to administer the program.

79. Why is government partnering with financial institutions to offer these programs?

Financial institutions know their clients best. Prior relationships, including the financial history of an eligible business, will help speed up the process.

80. How does the Alberta Flood Recovery Loan Guarantee Program work?

Eligible businesses and not-for-profit organizations must apply directly to their financial institution or Agricultural Financial Services Corporation (AFSC) for a loan up to $1 million under this program. For more information on how to apply contact your financial institution directly or visit www.afsc.ca.

Particulars include:

All loans will have a 75 per cent guarantee from the province through AFSC.

Applicants can apply now until December 31, 2013. Lenders will need to apply for the guarantee by January 31, 2014.

The specific loan guarantee will cover the lender for a period up to five years from issuance.

Lenders would provide demand loans up to $1 million per borrower as determined by each lender’s standard procedures, with demonstrated proof of loss from the flood.

Both new loans and existing loans that are being refinanced will be eligible under this program.

The specific guarantee will be provided to the lender without cost.

The lender will be responsible to take adequate security, based on a maximum of 80 per cent loan to value, as well as personal guarantees from shareholders, in accordance with their standard practices, with interest charged by the lenders capped at commercial prime plus one per cent. Where appropriate, assignment of insurance proceeds or DRP proceeds will be considered.

The lender will determine the amortization period, in accordance with their own standards, subject to a maximum of 20 years for land and buildings, a maximum of seven years (or life expectancy of the assets) for equipment, and a maximum of three years for working capital assets.

81. How soon will businesses receive their loans?

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Financial institutions are aware of the importance of providing these loans as quickly as possible. Each situation will be unique.

82. How does the Alberta Flood Recovery Interest Rebate Program work?

Businesses that have taken out loans under the Alberta Flood Recovery Loan Guarantee Program or the AFSC Alberta Flood Recovery Loan Program are eligible for an interest rebate.

For more information or an application form, visit www.afsc.ca.

Particulars include:

Participation in the Alberta Flood Recovery Loan Guarantee Program or the AFSC Alberta Flood Recovery Loan Program is required to be eligible for the interest rebate program.

The rebate will be at four per cent interest, up to an aggregate of $1 million in outstanding loans per entity.

Rebates are subject to applicant’s loans remaining in good standing with their lender.

Applicants can choose a date between July 2013 and December 2013 at which their 24-month rebate period commences.

New loans, up to an aggregate of $1 million, can be added at any time, but will only receive the rebate for the remaining portion of their 24 month period.

Borrowers will submit rebate requests with evidence of debt (loan statements indicating opening monthly balance) with a signed declaration from the applicant confirming their loans remain in good standing with their lender.

Rebates will be sent directly to the applicant from the province and are not assignable.

Rebates received under the program will incur a taxable benefit.

83. How quickly can businesses get their rebates?

The rebates will be based on three month periods with the first eligible period being July 1 to September 30, 2013. Cheques will be mailed directly to the applicant within two weeks of receipt of all required information.

For more specific information, visit www.afsc.ca.

84. Are AFSC loans different from loans from financial institutions?

There are some minor differences. As a crown corporation, AFSC cannot lend to non-profit organizations; businesses where the sole source of income is from government sources and energy exploration companies for down-hole exploration purposes.

85. AFSC has some unique loans for value added business that have a better interest rate than prime plus one per cent. Am I eligible to take that type of loan and get the interest rebate?

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No. AFSC Farm, Value Added and Commercial loans are available to eligible businesses at any time. To qualify for interest rebate, you must first qualify for the Alberta Flood Recovery Loan Program.

86. Are AFSC loans eligible for the interest rebate?

Yes, the AFSC Alberta Flood Recovery Loan Program is eligible for the interest rebate.

87. How do I apply for an AFSC loan?

Options include visiting an AFSC Branch Office or calling 1-877-899-2372. For more details, including branch locations visit www.afsc.ca.

Small Business Rebuilding Program

88. How is the Small Business Rebuilding Program different from the other small business programs?

The Small Business Rebuilding Program will provide funding to small businesses affected by flooding with 21 to 50 full-time employees (FTEs). It complements the existing Disaster Recovery Program, which provides assistance to organizations with up to 20 employees, as well as the Hand-Up plan, which provides low-interest loans and interest rebates.

It includes small businesses affected by the June 2013 floods in Southern Alberta and the Regional Municipality of Wood Buffalo, and is fully funded by the Government of Alberta. It will be administered through the Alberta Emergency Management Agency (AEMA).

Businesses can assess eligibility and/or download a form online or visit a DRP centre in their region.

89. What are the eligibility requirements for the Small Business Rebuilding Program?

The eligibility criteria for this program mirrors the eligibility requirements for the DRP – the only difference is the number of employees. The Small Business Rebuilding Program is specifically for organizations with 21 FTEs to a maximum of 50 FTEs.

The eligible small business must also:

be a registered incorporation, partnership, joint venture or sole proprietor;

have gross revenues greater than $6,000 and less than $15 million; and

have been operating in the flood hazard area at a valid address included in the flood hazard mapping and suffered direct damage from the flood.

90. I am a self-employed contractor. Am I eligible?

Yes, if the business meets the eligibility requirements.

91. Are not-for-profit organizations and agricultural producers eligible?

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Due to their unique circumstances, these two groups have their own Disaster Recovery Program eligibility. More information is available on the Government of Alberta flood recovery website or at a DRP centre. Not-for-profit organizations and agricultural producers may be eligible under the Hand-Up plan.

92. Are First Nations enterprises eligible for the Small Business Rebuilding Program?

Yes, if the enterprise meets the eligibility requirements.

93. Are small businesses located in the Regional Municipality for Wood Buffalo eligible?

Yes, if the business meets the eligibility requirements.

94. Are businesses with revenues more than $15 million eligible?

No. Revenues of this magnitude do not fit the definition of a small business.

95. I have a business in a community that was not flooded, but my operations were impacted. Am I eligible?

The intent of the program is to provide financial assistance to small businesses that were severely impacted by the recent floods; businesses in High River for example. For businesses outside of High River, they must have operated within the affected flood area (same definition as the DRP) and are able to demonstrate proof of loss among other eligibility requirements.

96. How do I confirm I am in a flood affected area?

The flood affected area is any community affected by the 2013 floods. This is different from the "flood hazard area" which is a technical term defined by the flood hazard maps. You do not have to be in the flood hazard area to qualify for small business support. Small business owners should apply to the program if:

your small business was severely impacted by the June 2013 floods in Fort McMurray or Southern Alberta;

you have already applied to the 2013 Disaster Recovery Program; and/or

have submitted an insurance claim related to the flooding.

97. How long will applications be accepted?

We are currently accepting applications, and will do so until December 31, 2013. Financial arrangements made prior to July 24 (no earlier than July 1, 2013) may be retroactive.

98. How and when will eligible businesses receive Small Business Rebuilding Program funding?

Small businesses can download the form from the Government of Alberta flood recovery website and mail it to the address provided. This will begin the process. Government recognizes the importance of providing funding as quickly as possible. Each situation will be unique.

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99. Where is the money for this program coming from?

The Government of Alberta is bearing the full cost of the Small Business Rebuilding Program.

100. What will this program cost the Government of Alberta?

The costs will be approximately $50 to $60 million.

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Flood Mapping

101. How do I know if I live on a floodway or a flood fringe?

A floodway zone is the portion of the flood hazard area where flows are deepest, fastest and most destructive. A flood fringe zone means floodwater is generally shallower and flows more slowly than in a floodway.

Highest risks to property, human health and safety and the environment are found in floodways – no development is recommended here. In flood fringes, flood mitigation can reduce flood damage risk and support some development, like housing. Flood hazard mapping for many areas of the province are available online: http://www.envinfo.gov.ab.ca/FloodHazard/

Flood mapping is just one of the tools available to homeowners. Homeowners may also consult with a hydrologist at their own cost. Visit the flood hazard maps to see whether your home is in a flood risk area.

102. Are there flood hazard maps prepared for the entire province?

This is an ongoing process within the ministry of Alberta Environment and Sustainable Resource Development. More than 70 per cent of Alberta’s populated areas are mapped or do not require mapping due to low-to-no flood hazard.

103. What about municipalities where flood mapping has not been completed? How will homeowners know if they'll be funded to relocate if they don't yet know whether their home is in a floodway?

Maps are generally available for most 2013 flood-affected areas. Where maps are not available, discussions about relocation options will take place.

104. Why isn’t my home on the map? And how many homes are currently in a flood fringe or floodway?

Flood hazard mapping does not capture individual development, so you won’t see your house illustrated on the map; the map outlines geographic areas of flood hazard.

105. Does Alberta have sufficient resources to ensure these maps are updated, particularly in light of climate change and anticipated increase in storm intensity and duration?

Yes, our program is built on continuous improvement. Every flood event is an opportunity to review our processes and information.

Currently our studies identify a one per cent flood event – that is, a flood event that has a one per cent chance of occurring each year. It is commonly referred to as a 1-in-100 year flood, but they can happen more frequently, this is the provincial standard.

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106. Why does the province let municipalities sell this land to developers, knowing it’s in floodways? Will you prevent municipalities from approving development in floodways?

Individuals and all levels of government have a responsibility and a role in managing flood hazards. The Government of Alberta has been conducting flood hazard mapping since the 1970s; however, some communities have existed for more than 100 years, prior to flood hazard mapping. Flood hazard mapping is provided to municipalities so they can make the best decisions for future development. New residential development and permanent structures are discouraged in floodways; flood fringe development should include flood mitigation measures. The decisions to zone and approve is currently a municipal authority.

Legislative changes are being planned to prevent municipalities from approving development on floodways. Many municipalities already have requirements in place for this. This work is supported by flood hazard mapping by the provincial government. Moving forward, it is clear that additional efforts need to be placed on appropriate development.

107. Are there any other areas of Alberta that are prone to flooding that have out-of-date mapping? Who’s next on the list and what’s the priority for getting these done?

Flood Hazard Studies are created to provide information for long term planning. The studies show what the future flooded areas would be if the flood hazard areas are developed appropriately. As a planning tool, a flood hazard study should provide quality information for many years.

More than 70 per cent of Alberta’s populated areas are mapped or do not require mapping due to low-to-no flood risk. The communities that have been mapped to date were selected based on risk and population, which takes into consideration safety of Albertans and economic factors. Alberta Environment and Sustainable Resource Development, continues to work closely with municipalities on the flood hazard studies and mapping.

108. When will you update the maps to account for recent floods?

Environment and Sustainable Resource Development (ESRD) has been collecting data from affected water bodies and communities. ESRD will be evaluating the event to see how it compares to the design flood event, then will conduct an assessment to see if updates to mapping are required. ESRD will work with local municipalities to conduct updates if necessary.

109. How long will it take to map the rest of the province? Do you have the resources – manpower and funding – to get the work done?

Flood hazard studies will be completed as required to support decision making by local authorities. Both government and private sector resources are used to complete flood hazard studies allowing for effective study production.

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110. What is the criteria for mapping?

The hazard mapping program is based on assessing areas of high risk to flood events. There is no specific focus on towns or municipalities, but instead, areas of the province where there are risks to populations from flood events.

111. Does flood hazard mapping take into account agricultural land and industrial use, or only communities and houses?

Flood hazard studies provide information for areas of land adjacent to a river and are independent of land use. With this information, local authorities can make appropriate land use decisions.

112. Will the province work with Calgary, Fort McMurray, Medicine Hat and others where major portions of the cities flooded to prevent future floods?

Yes, the province will work closely with municipalities in order to address these types of issues and concerns province-wide. As well, we will need to look at a community approach for future flood mitigation.

113. What about the flood mitigation infrastructure that is in place in Manitoba? Why doesn't the province do something like that to protect communities?

Flooding that occurs in Alberta is drastically different from Manitoba flooding. In Alberta, the major component to flooding is rain, which can only be forecast a couple days in advance. There is no one single mitigation solution for preventing flood damages – communities, governments, and individuals must all play a role in mitigation solutions. Moving forward, additional investments may be considered.