Manitoba Agricultural Services Corporation

Program Features

MASC Hail Insurance provides financial assistance to Manitoba producers for losses to crops due to hail and/or accidental fire. Typically, an eligible producer with an MASC AgriInsurance contract may also sign up for Hail Insurance on eligible crops. Premiums are calculated by crop type, risk area, coverage options, and discounts for early payment.

Coverage becomes effective at noon the day following: a) the application's postmark date, b) receipt of hand-delivered, faxed, or online application at an MASC Insurance office, or c) the date of a phone application. Coverage for hail and accidental fire extends to October 21st each year.

Claims are made by contacting MASC within three business days of the damage occurance. An MASC adjustor will inspect the damaged crop and determine a percentage of lost yield. Based on the adjusted loss of yield and the producer's selected coverage, MASC will issue an indemnity cheque to the producer.

Producers enrolled in the Continuous Hail Insurance Option can have their Hail Insurance coverage automatically renewed each year, as well receive an additional discount on their premium. With this option, coverage is effective as soon as the crop emerges.

Eligibility

 

Eligible Producers

Hail Insurance is available to Manitoba producers and crop-share landlords who have an MASC AgriInsurance contract. Insureds may only insure their interest in the crop.

 

You must apply annually for Hail Insurance for crops not eligible under the Continuous Hail Insurance Option (CHIO) program, or if CHIO is not selected. Applications may be made online via MASC Insurance Online Services, or by calling, faxing, or visiting the nearest MASC Insurance office.

For more information about the MASC Hail Insurance program, please read the program's factsheet ({program_details::factsheet}) or contact your local MASC Insurance representative.

Canadian Foodgrains Bank: In support of this worthy humanitarian initiative, MASC will waive Hail Insurance premiums for the maximum available coverage on up to 160 acres of land for Canadian Foodgrains Bank projects. For more information, please contact your local MASC Insurance office.

Eligible Acres

All acres that are insurable under AgriInsurance are eligible for Hail Insurance regardless of the variety or seeding date. Crops grown in bordering provinces or states or on uninsurable land are not eligible for Hail Insurance.

Restrictions

Alfalfa seed, pedigreed timothy seed, perennial ryegrass seed, annual ryegrass seed, tall fescue seed, tame hay and hemp grain are only insurable if the crop is insured under the AgriInsurance contract.

Cooking onions, carrots, rutabagas, and parsnips are only insurable if the crop is insured under the AgriInsurance contract or the Supplementary Terms and Conditions for Vegetable Acreage Loss Insurance.

Other onions, sweet corn, broccoli, cabbage and cauliflower are only insurable if the crop is insured under the Supplementary Terms and Conditions for Vegetable Acreage Loss Insurance.

(For further restrictions, please refer to the Continuous Hail Insurance Option page.)

 

Costs & Coverage

 

Benefits

• Insureds who pay their hail premium when they apply for Hail Insurance receive a 5% premium discount.
• Producers receive a harvesting bonus for crops severely damaged by hail or fire. The maximum bonus is 10%.
  
  Example

  If a producer's appraised loss is 73%, his or her harvesting bonus is 73% - 70% = 3%. This amount is added to the appraised loss for a total loss of: 73% + 3% = 76%
• Producers receive an indemnity payment if hail or fire damages 5% or more of the yield.

Premium Rates

MASC Hail Insurance rates are calculated for each crop and hail risk area.

Risk Area	Basic Premium Rate
{risk_area::name}	{risk_area::basic_premium}

 

 

Coverage

Flexible coverage selections are available:

• Rutabagas, cooking onions, other onions, carrots, broccoli, cabbage, parsnips, and cauliflower crops are insurable at $750, $1,000, or $1,250 per acre.
• The dollar selection for potatoes is $200, $300, or $400 per acre.
• All other eligible crops are insurable at $100, $125, or $150 per acre.

All fields of a specific crop selected for hail insurance must be insured at the same coverage level. Producers may choose to insure all or a portion of their crops.

 

Period of Coverage

Hail Insurance is in effect from noon of the day after the application is received until the insured crop is harvested, destroyed, or October 21st, whichever comes first. If the CHIO is selected, coverage is in effect when the crop emerges.

 

 

 

Deadlines

Date	Last Day to...
March 31st	Apply for a new AgriInsurance contract Make changes to (or cancel) a current AgriInsurance contract Apply for the Continuous Hail Insurance Option (CHIO)
June 30th	Cancel all or part of Hail Insurance coverage Note: Requests to cancel Hail Insurance must be made in writing and received by MASC by June 30th.
October 21st	Hail Insurance coverage terminates (if crop has not already been harvested or destroyed)

Claims

 

 

Claim & Appeal 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.