Compensation

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.

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.

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.