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Continuous Hail Insurance Option (CHIO)
Manitoba producers have depended on MASC Hail Insurance since 1970, when it was first offered by the Manitoba Crop Insurance Corporation (MCIC, forerunner of MASC). Year after year, the application process for Hail Insurance was the same: you visit the local MCIC/MASC office, the application is made, and coverage begins the next day at noon.
Over time, MASC has added easier ways to apply for Hail Insurance. As a Manitoba producer and a participant in AgriInsurance, you now have the option to apply in person, by phone, by mail or fax, or most recently online via MASC Insurance Online Services.
In 2006, MASC added the Continuous Hail Insurance Option, which does not require you to complete an annual Hail Insurance application. Coverage is provided automatically every year, and as a CHIO participant you qualify for a {program_details::auto_discount}% discount on your Hail Insurance premiums - and a further {program_details::early_pay_discount}% discount for prompt payment.
- Eligibility
- Costs & Coverage
- Deadlines
- Claims
- Procedures
- Links
Eligibility
Eligible Producers
To be eligible for the Continuous Hail Insurance Option, you must insure all eligible crops under AgriInsurance at the {program_details::pi_level}% coverage level.
Note: Landlords have the option to select CHIO regardless of the coverage level selected by their tenant.
Eligible Crops
All crops are included in the CHIO selection except the following Optional CHIO Crops, which must be selected individually at the highest dollar coverage offered:
- alfalfa seed
- broccoli
- cabbage
- carrots
- cauliflower
- cooking onions (and other onions)
- greenfeed
- parsnips
- potatoes
- ryegrass seed (annual and perennial)
- rutabagas
- sweet corn
- tame hay
- timothy seed ( including pedigreed)
- tall fescue seed
- organic crops
For more information, contact your local MASC Insurance office.
Costs & Coverage
Premiums are based on the MASC rates (published annually). As a CHIO participant, you automatically qualify for a {program_details::auto_discount}% discount on your premiums, and you're also eligible for a {program_details::early_pay_discount}% discount if your premiums are paid by July 31st.
Coverage comes into effect on April 1st of the crop year, and all seeded acres of eligible crops are automatically insured for $150 per acre coverage (the maximum offered) under MASC Hail Insurance. After your Seeded Acreage Report (SAR) is processed, you will be sent a Statement of Hail Insurance to confirm your coverage.
Note: CHIO coverage can only be cancelled if acres have been appraised by MASC and destroyed.
Deadlines
| Date | Last Day to... |
|---|---|
| March 31st |
|
| July 31st |
|
| October 21st |
|
Claims
Claims made under CHIO coverage are processed and calculated as they are under Hail Insurance, as in these examples:
Your CHIO coverage is $150 per acre of hail insurance on 150 acres of canola. After a hailstorm, an adjustor inspects the damage and determines that there is a 38% loss in yield.
Hail coverage: $150 / acre
Percentage loss: 38%
Your indemnity = $150 x 0.38 x 150 acres = $8,550
You have $150 per acre of CHIO hail insurance on 80 acres of flax. An adjustor inspects the field and determines that 40 acres has less than 5% damage and the other 40 acres has 11% damage.
Hail coverage: $150 / acre
Percentage loss: 40 acres (less than 5%) = no indemnity, 40 acres with 11% damage
Your indemnity = $150 x 0.11 x 40 acres = $660
Procedures
Claiming for Losses
You can initiate a Hail Insurance claim by contacting your local MASC Insurance office. To qualify for a Hail Insurance claim:
- Inspect your fields for damage before submitting a claim; if a claim is filed for an undamaged field, a nil claim fee may be incurred
- Contact your local MASC Insurance office within three business days of the damage occurring
- An MASC adjustor must inspect all damaged crops before the crops are destroyed or harvested
- If a damaged crop is ready to harvest and MASC was contacted, you may then proceed to harvest the crop, provided that representative strips are left for an adjustor to inspect. Representative strips must be at least 10 feet wide, and comprise either:
- the full length of the field for each 40 acres or less of damaged crop, or
- 1/3rd the distance in from the edge of the field and completely around the field.
Note: Claim payments on subsequent hailstorms are adjusted to compensate for previous losses.
Appealing an Appraisal of Loss
If you do not agree with an appraisal of loss completed by MASC, a second appraisal will be completed. If you do not accept this second assessment, or you reconsider the decision after signing a claim, you have 7 days to appeal the assessment to the Appeal Tribunal.
For more information, please see Appeals.
Related MASC Links |
External Links |
