La Financière agricole du Québec

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Crop Insurance


For individual coverage

When a natural phenomenon affects one of your crops insured under crop insurance, you must notify us immediately. If not, you could lose your right to any compensation.

For collective coverage

Generally, when a natural phenomenon affects any of your productions insured under crop insurance, it is not necessary to send a notice of damage to receive compensation.

However, if the damage is caused by a spot loss risk (individual), producers must send a notice of damage. Spot loss risks include:

  • Flooding caused by a natural element and constituting an exceptional phenomenon;
  • Freezing of grain corn and corn silage that occurs after the cut-off dates (refer to coverage summaries);
  • Hail;
  • Hurricanes and tornadoes;
  • Snow when seeding takes place before the cut-off dates for all insured crops, except for hay;
  • Uncontrollable insects and diseases;
  • Wild animals against which there is no adequate means of protection, with the exception of waterfowl.

How do you give a notice of damage?

A notice of damage can be given by phone or during a visit from your advisor. It must include the following:

  • Crop affected;
  • Cause and extent of damage;
  • Field numbers and area affected;
  • Damage date and expected harvest date.

For more details on the compensation associated with your production, consult the coverage summary in question.