AgriInsurance Claim Process

Report any insurable loss or damage to the Corporation within five days of noticing the loss.

Notice of Loss

File a Notice of Loss using the form provided by the Corporation and contact your AgriInsurance Officer. It is the client's responsibility to notify the Corporation of a potential loss within five days of noticing the loss. If you have any questions regarding the Notice of Loss, contact your AgriInsurance Officer as soon as possible, or call the office at 902-836-0439 and they will connect you with your officer. 

Note: You only need to file a Notice of Loss for establishment (stage 1) if enrolled in the Forage Program.You do not need to file a Notice of Loss for insurable crops enrolled in the Forage Program. The Corporation will determine losses and establish indemnity payments from weather data as outlined in the Schedules.

Inspection

Within three working days of receiving a Notice of Loss, the Corporation will inspect the insured fields or inventory to verify the extent of the losses or damage and evaluate the losses with respect to all insurable and non-insurable perils

Note: Request for Permission to Destroy must be submitted in writing, and written consent to abandon or destroy the insurable crop must be granted before any destruction of insured acres, inventory, or productive assets.

Permission to Destroy

The insured must have written consent of the Corporation to abandon or destroy the insured crop. Below outlines the stage losses for yield based crops under Production Insurance:

• Stage I: Establishment period for applicable crops. From planting to 30 days after planting, except for winter cereals. To abandon or destroy the insured crop, to re-seed, or to use the seeded acreage for another purpose. Stage I coverage is not applicable to perennial crops.
• Stage II: From the end of the Stage 1 period until harvest. Indemnity rates are commodity specific and typically based on the number of days to maturity. 
• Stage III: Post-harvest. based on yield shortfall on harvested production and for yield shortfall resulting from destruction of stored production.

You must delay further action until you:

• Receive the written consent from the Corporation;
• Notify the Corporation of the date and time when the insured crop will be destroyed; and 
• Allow an Insurance Officer of the Corporation access to the abandoned acres or inventory to monitor the destruction.

All crops and inventory identified in the Permission to Destroy form shall be destroyed before an indemnity will be paid.

Note: The Corporation may limit its liability at any stage of crop production if it determines that the loss has been established and that extending the management of the crop will only increase claim amount. 

Client Responsibilities

It is the client’s responsibility to ensure all program deadlines and the AgriInsurance agreement requirements are met, so that the client is compliant with their contract. 

Appeal of a Decision 

There are three levels of appeals: the first is Administrative Appeals, which are appeals that do not conflict with program requirements/regulations; second is Board Appeals which conflict with program requirements/regulations; then Independent Appeals which is a second appeal after a decision from the Board of Directors. Click here to Learn more about the Appeal Board and its role.

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