Filing a Claim

There are a variety of claims for different programs and features of Crop Insurace. Details provided will help you understand the claims process. It is important that you contact Saskatchewan Crop Insurance Corporation (SCIC) as soon as an insured crop suffers significant damage.

How to Register a Claim

Producers experiencing crop damage should contact their local customer service office or call 1-888-935-0000 to register a claim.

For weather derivative programs, claims do not have to be filed; they are automatically calculated based on weather station data.

Wild rice claims also do not have to be filed. Claims are triggered when a region’s reported annual production is less than the average historical production. The claim will be calculated based on the number of acres you insured in that region and the coverage level selected: 50, 60 or 70 per cent.

 

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Establishment Benefit Claims

If your crop does not adequately establish or suffers significant damage due to insurable causes, you need to file an establishment claim by June 20. Visit our Establishment Benefit webpage for more informaiton.

Unseeded Acreage Claims

Land that is too wet to seed due to excessive spring moisture may qualify for an unseeded acreage claim. The deadline to submit this claim is June 25. To learn more about eligible acres, visit our Unseeded Acreage webpage.

Pre-Harvest Appraisals

If you wish to put your insured acres to a use other than harvesting, contact your customer service office before destroying or putting the acres to another use. To account for all production, an adjuster will inspect any acres put to an alternate use. The appraised value will be added to your total harvested production for that crop in the event of a claim.

Post-Harvest Claims

Contact your customer service office to register a claim on harvested crops immediately after completing harvest but no later than November 15. Your total harvested production information must be submitted before you can register any yield-loss claims. Producers are insured for both losses in quality and yield. Producers that project a quality loss should talk to their crop insurance office.

Claims may be denied if submitted more than 15 days after harvest is generally completed in your area. Claims will not be accepted after December 31. Late filed claims from November 16 to December 31 will have indemnities reduced by 25 per cent up to $1,000. Insurance does not cover losses to production while in storage.

SCIC will pay a limited number of claims based on production information supplied by customers and without a visit by an adjuster. SCIC uses established criteria to determine if you are eligible to receive your claim payment based on your declared yields. When registering a post‑harvest claim, customer service staff will inform you if you are eligible.

Production Guarantee

Yield-loss payments are based on the shortfall between the production guarantee and the total net harvested production for all acres of the insured crop.

For more information, please visit our Production Guarantee page.

Filing a Claim (Forage)

If you are in a claim position, contact your customer service office immediately so an adjuster can be assigned to assess your crop. Claims must be reported by September 30. Your total harvested production information must be submitted before you can register a yield-loss claim. Claims filed between October 1 and November 15 will have indemnities reduced by 25 per cent up to a maximum of $1000. Forage claims will not be accepted after November 15. If you have any unharvested acres as of September 30, you must request an extension of insurance. An extension of insurance will only be granted to November 15. There is no insurance coverage after November 15.

Claims Inspection

Procedures differ based on the type of claim. In general, an adjuster will inspect the acres and collect a variety of information. This information may include plant counts, acreage details, cause of loss, bin measurements, grain samples, and information from sales receipts. An adjuster will answer your questions and explain all the information to you before you sign the claim.

The producer's responsibilities include accompanying the adjuster in the field, showing the adjuster all acres and completing all required documentation. For post-harvest claims, producers may also have to provide permit books and sales receipts and show the adjuster all bins.

For multi-peril, organic and forage programs: When producers submit production information following harvest, they may be eligible for a claim by declaration. This means that a claim will be paid based solely on submitted information. Producers must meet eligibility requirements in order for a claim to processed in this manner. An adjuster will only visit if your contract has been randomly selected to be verified, to ensure validity and accuracy of the claim.

Extensions of Insurance

For all crops except forage and potatoes, coverage expires November 15 of the year the crop was seeded. If you have unharvested acres as of November 15, you must contact SCIC and apply for an extension of insurance.  Producers are encouraged to contact their local Crop Insurance office well before November 15 to discuss their options in the event their crop cannot be harvested.

An extension of insurance means you are insured for yield and quality losses occurring after November 15. To apply for an extension of insurance please contact your nearest Crop Insurance office by November 15. Learn More

Deferral of Indemnity

Indemnity payments can be deferred up to one year following your claim inspection date. If you wish to defer your claim, you must tell your adjuster before the cheque is issued. Once a cheque is issued, it cannot be returned for deferral. This complies with the Canada Revenue Agency. Indemnities deferred to January 1 of the following year will be mailed before the end of December. You have the choice of deferring the entire indemnity, which will require payment of the entire premium 15 days prior to the deferral date, or you can request to have the premium deducted from the indemnity and have the remaining balance deferred.

Direct Deposit

SCIC can deposit your claim into your savings or chequing account through direct deposit. You will be notified when the deposit is made. Deferred claims will be deposited on the selected deferral date based on the turnaround time at your financial institution. Authorization for Direct Deposit forms are available online, from your adjuster or your customer service office.

Authorization for Direct Deposit

This form is available under our Forms page, from your adjuster or your customer service office.

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Protecting your Personal Information

SCIC requires producer information to deliver effective and efficient programs and customer service. SCIC will use your information for the delivery of the program and will disclose information according to the Freedom of Information and Protection of Privacy Act (FOIP). SCIC is committed to ensuring your personal information is secure at all times and has implemented privacy procedures to ensure compliance with current legislation.

Customers of SCIC are entitled to access their personal information according to FOIP. If customers are concerned about their privacy, they can e-mail securityofficer@scic.gov.sk.ca or phone 306.728.7200 and ask to speak to the Privacy and Security Manager.

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