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Yield Loss |
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Coverage for yield loss starts on June 21 for all established crops. Crop losses after June 21 but prior to harvest are assessed through a pre-harvest inspection.
Pre-harvest inspections are completed when a crop is put to an alternate use other than harvest.
Failing to report a crop before it is put to an alternate use may void your insurance. Notify Crop Insurance if you intend to put your acres to an alternate use.
Losses on harvested crops are based on production. Yield-loss coverage ends November 15.
It is important to store and sell your insured grain separately from all other producers’ grain and all other crops, whether insured or not. If ownership of the grain cannot be clearly identified, production is averaged among the involved producers.
Contact Crop Insurance any time an insured crop suffers significant damage. If you think you are in a claim position, contact your customer service office.
Establishment Benefit Claims
If your crop has failed to adequately establish or has suffered damage before June 20, contact your customer service office. Crops damaged before June 20 may be eligible for an Establishment Benefit only, even if you report the damage as yield-loss after June 20.
If you believe it is necessary to reseed or work down a portion of your insured crop prior to June 20, contact Crop Insurance immediately. An adjuster must inspect those acres prior to reseeding or destroying the acres.
Unseeded Acreage Claims
If you cannot seed your usual number of acres due to excessive spring moisture, you may be eligible for the Unseeded Acreage benefit. Contact your Crop Insurance office no later than June 25.
Pre-Harvest Appraisals
If you wish to put your insured acres to a use other than harvesting, contact your customer service office before destroying. An adjuster must inspect any acres that you plan to put to an alternate use, as all production must be accounted for. The appraised value will be used in the calculation of any claim.
Post-Harvest Claims
Contact your customer service office to register a claim on harvested crops immediately after completing harvest but before November 15. Your total harvested production information must be submitted before you can register any yield-loss claims. Post-harvest annual crop claims submitted between November 16 and December 31 will have indemnities reduced by 25 per cent. 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.
Crop Insurance will pay a limited number of claims based on production information supplied by customers and without a visit by an adjuster. Crop Insurance 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 tell you if you are eligible.
Wildlife Claims
The Wildlife Damage Compensation Program is not a Crop Insurance program, but is administered by Crop Insurance. This program is available to all producers. Affected producers do not have to be a Crop Insurance customer to receive compensation.
Other Claims
For additional claim information, including the Organic Reseeding Benefit, see Crop Insurance's organic, forage or weather based programs.
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Extensions of Insurance |
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For all crops except forage and potatoes, coverage for the 2008 crop year expires November 15. If you have unharvested acres as of November 15, you must contact Crop Insurance and request an extension of insurance. Coverage may be extended in areas where harvesting is generally not completed. If you are granted an extension, you are insured for yield and quality losses that occur after November 15. The final adjustment will occur after harvest is complete but no later than June 10, 2009.
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Deferral of Indemnity |
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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 Customs and Revenue Agency. Indemnities deferred to January 1, 2009 will be mailed before the end of December.
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Receiving Claim Payments |
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Quick, convenient and secure, Crop Insurance 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 under Forms, or from your adjuster or your customer service office.
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Appealing Your Claim |
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Crop Insurance is committed to providing quality customer service, ensuring all of your concerns are addressed quickly and fairly.
Accompany the adjuster on all claim inspections and discuss any aspect of your insurance with staff. Should a claim dispute arise, you are entitled to a second inspection by a senior adjuster. Your customer service office manager will ensure that all of your concerns are fully investigated.
On rare occasions, issues cannot be resolved at the local level. The regional manager is then responsible to review the situation and make sure the terms of the contract were followed. Disagreements the regional manager cannot resolve may be referred to the Provincial Appeal Panel.
The Provincial Appeal Panel is an advisory committee of producers that hears disputes between customers and the corporation. Customers and staff both have the opportunity to present information to the panel during the hearings held around the province.
The panel will make recommendations to the Crop Insurance Board of Directors on any disputes they hear. Decisions made by the appeal panel are recommendations only. Appeal panel decisions are not binding on the Board of Directors; the panel's decisions may or may not be accepted by the board.
An application to the Saskatchewan Crop Insurance Corporation Provincial Appeal Panel is a voluntary act on the part of the customer and does not nullify, waive or compromise any legal rights of the customer or the legal rights of the corporation. Both parties involved may still use all legal avenues available under Saskatchewan's provincial court system.
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