How to Apply for eRecovery Compensation for War-Damaged or Destroyed Housing in Ukraine

Who can apply for eRecovery housing compensation?

The Ukrainian state program known as eRecovery provides compensation for qualifying residential property damaged or destroyed because of the armed aggression of the Russian Federation.

The program covers different situations. If a home can still be restored, compensation can pay for repairs. If the home is considered destroyed, the available form of compensation depends on the property type and the option permitted by the program.

For damaged housing, the applicable procedure generally requires the recipient to be an adult Ukrainian citizen who owns or co-owns the property and whose ownership is confirmed in the relevant state records.

Is your home damaged or legally considered destroyed?

This distinction determines which type of compensation you can receive.

Damaged housing is residential property that was damaged by the war but can be restored through repair work.

Destroyed housing is property that has become unusable for its intended purpose and cannot be restored through current or capital repair, reconstruction or restoration, or where doing so would be economically unreasonable.

The local commission assesses the condition of the property and determines the compensation using the official methodology.

How much can you receive for damaged housing?

The current eRecovery program divides repair compensation according to the scale and type of damage.

• Up to UAH 200,000 for minor repairs.
• Up to UAH 350,000 for major repairs to an apartment.
• Up to UAH 500,000 for major repairs to a private house.

The actual amount is not automatically the maximum. The commission calculates compensation according to the documented damage and the official repair-cost methodology.

Compensation of more than UAH 200,000 for major repairs is paid in two stages. The current program structure provides 70 percent in the first tranche and 30 percent after the required interim reporting.

What compensation can you get for a destroyed home?

For destroyed residential property, eRecovery currently provides two main compensation routes.

Housing certificate for replacement housing

A housing certificate is an electronic document showing the compensation amount that can be used to purchase qualifying replacement housing or invest in eligible housing under construction.

The certificate can be used to acquire an apartment, house or other qualifying residential property. The current eRecovery program states that a housing certificate is valid for 5 years.

Housing acquired using the certificate is subject to a 5-year restriction on sale under the program rules.

Rebuilding a private house on your own land

If the destroyed property was an eligible private house, the owner may choose monetary compensation to construct a replacement house on their own land instead of using a housing certificate.

The reconstruction compensation is paid in two equal tranches of 50 percent. The first payment follows the required notification that construction work is beginning. The second is linked to reporting on the intermediate stage of construction.

The current program states that the first tranche must be used within 18 months and construction must be completed within 3 years. At least 90 percent of the first tranche must be used before the second tranche can be obtained.

What should you do before applying?

The first procedural step is to make sure the damaged or destroyed property has been reported. Submit an information notice about the damaged property through Diia, a CNAP or a notary.

If you will receive monetary compensation for repairs or eligible reconstruction, you also need a special eRecovery account with a participating bank.

Ownership information must be capable of verification. Problems with unregistered or outdated ownership records can delay the process because the compensation procedure depends on confirmation of the applicant's property rights.

How do you apply online through Diia?

The official Diia compensation service allows homeowners to apply online.

1. Sign in to your Diia citizen account.
2. Select the property for which you want compensation.
3. Answer the questions about the property and damage.
4. Enter your eRecovery account if you are applying for a form of monetary compensation.
5. Review the information carefully.
6. Electronically sign and submit the application.

Diia estimates that submitting the application takes up to 5 minutes. The service itself is free.

Can you apply without using Diia?

Yes. The compensation application can also be submitted through a CNAP or a notary.

For the offline route, Diia lists the following core information and documents:

• taxpayer registration number;
• passport;
• a previously submitted information notice about the damaged or destroyed property;
• the number of a document confirming a priority category, if applicable;
• email address.

If you are submitting a report about completed repair work, photographs of the repairs and purchased construction materials may also be required.

What if the home has several owners?

Co-ownership is treated differently depending on whether the property is damaged or destroyed.

For damaged housing, Diia states that co-owners must also complete the required signing or consent process for the compensation application. The rules were simplified in late 2025 to address cases where one co-owner could not be reached or would not provide consent, so applicants should follow the current workflow presented by Diia and the commission.

For destroyed property, co-owners are not required to join one application. Each co-owner can submit a separate compensation application for their ownership share.

How long does the compensation decision take?

Diia currently lists an application processing period of up to 30 working days.

The commission reviews the application and, where necessary, arranges an inspection or other assessment of the property. The compensation amount is determined after the damage has been established.

In territories where an on-site inspection is unsafe or impossible because of active hostilities, current rules allow remote assessment in qualifying cases using materials such as satellite imagery, drone data, photographs, videos and information from public authorities. If the available evidence is insufficient, additional material may be requested.

Can you apply if the property is in an occupied or active combat area?

Diia currently states that an application through this compensation service cannot be submitted for property located in temporarily occupied territory.

Applications are available for property located in territories where active hostilities are taking place. Where physical inspection is impossible, the government has introduced remote assessment mechanisms for qualifying destroyed property.

What do you need when the commission inspects the property?

Diia states that during the inspection the commission may require:

• criminal-record information;
• co-owner consent or related documentation where required;
• a document confirming a priority category if that category was declared in the application.

The commission records the damage and uses the applicable official checklist and calculation methodology to determine the compensation amount.

Who cannot receive compensation?

The program excludes people who are subject to Ukrainian sanctions and people convicted of criminal offences against the foundations of Ukraine's national security. The exclusion also extends to their heirs in the cases specified by the compensation legislation.

An application can also fail where ownership cannot be confirmed, the property does not meet the program conditions or the submitted information is inconsistent with the state registers and inspection data.

What can repair compensation be spent on?

Money paid for damaged housing must be used for repairing that property. It can be spent on eligible building materials and repair or construction services supplied by businesses participating in the eRecovery program.

The current program gives recipients up to 12 months for minor-repair compensation and up to 18 months for major-repair compensation.

The funds are restricted to the purposes of the program and are not ordinary unrestricted cash compensation.

Do you have to report after finishing the repair?

Yes. Reporting depends on the compensation category.

• Recipients approved for up to UAH 200,000 submit a final report after the repair is completed.
• Recipients approved for more than UAH 200,000 first submit an interim report on use of the first tranche and later submit a final report after the second tranche has been used.

Keep photographs and records of the completed work and purchased construction materials because these may be needed for reporting and verification.

What happens after you receive a housing certificate?

A housing certificate is not an immediate cash transfer to your personal account. After receiving the certificate, you must request reservation of funds before completing the purchase of replacement housing.

You can use the Diia housing certificate fund reservation service. If funding is available, the reservation is confirmed. If sufficient funds are not available, the request enters the electronic funding queue.

After the funds are successfully reserved, you have 30 days to find the property and complete the purchase agreement.

The transaction is completed through a notary and the compensation funds are transferred according to the housing-certificate procedure.

What happens to ownership of the destroyed property?

After compensation for destroyed property is awarded, the property-right consequences must be completed before the compensation is fully used. Diia states that all co-owners must relinquish their ownership rights to the destroyed property before proceeding with the housing-certificate purchase or the relevant reconstruction process.

Do not arrange a replacement-home purchase before checking that these legal steps and the reservation of certificate funds have been completed.

Common mistakes to avoid

• Applying for compensation before submitting the initial damaged-property information notice.
• Having ownership information that is missing or outdated in the state property register.
• Confusing damaged housing with destroyed housing and expecting the wrong compensation type.
• Trying to use repair compensation for purchases or services outside the eRecovery program.
• Forgetting to complete the co-owner procedure for damaged jointly owned housing.
• Failing to declare or document a priority category correctly.
• Assuming the maximum repair limit is automatically awarded regardless of the commission's damage calculation.
• Starting a housing-certificate transaction before reserving the compensation funds.
• Missing the required interim or final report after repair work.

Is eRecovery the same as the international Register of Damage?

No. eRecovery is Ukraine's state compensation program for damaged and destroyed housing. The international Register of Damage caused by the aggression of the Russian Federation is a separate mechanism for recording claims for losses and future reparations.

Receiving compensation through eRecovery does not by itself prevent a person from submitting an eligible claim to the international Register of Damage. The two processes should not be treated as the same application.