FAQs

Hail is precipitation in the form of transparent or partially opaque balls or irregular lumps of concentric ice, and does not include sleet, snow and frozen or partly frozen rain.

Hail insurance becomes effective at 12pm noon, the day following the date of application (pending liability availability and acceptance from our office). 

Canadian Hail Agencies offers up to $400 per acre coverage. However, total insurance may be bought up the actual cash value of the crop. 

Your Canadian Hail policy will expire at 12pm noon Standard Time on October 31 or when the crop is harvested – whichever date comes first. 

Yes. Your Canadian Hail insurance policy includes an endorsement to cover crop loss or damage by fire (some restrictions apply). For more information on fire damage coverage please contact our office or refer to the endorsement page on your policy documents. 

Canadian Hail Agencies accepts the following forms of payment: 

• Credit Card – Mastercard or Visa  

• Cheque – Dated for the date of application 

• Post-Dated Cheque  – Dated August 15, interest free.  (available for Manitoba and Saskatchewan policies only) 

• Deferred Payment Cheque – Dated for Oct 1, with a 5% interest fee added (available only on a per request basis) 

Your agent will review payment options with you at the time of application. 

Canadian Hail offers the following coverage choices:  

Full Coverage: This policy type covers your crops for a stated value and pays losses at the ascertained damage. Losses are payable when the adjusted loss is 5% or over. Losses of 90% are determined to be 100% loss. 

Deductible Coverage: This policy type covers your crops for a stated value and pays losses at the ascertained damage minus the deductible of choice.   

Canadian Hail offers the following deductible options: 

10D: 10% Deductible disappearing at 40% 

20D: 20% Deductible disappearing at 60% 

25S:  25% Straight Deductible 

10IP: 10% Deductible Increasing Payment.  

For more information about deductibles – click here: https://canhail.com/crop-hail-insurance-deductibles/ or contact your agent. 

We pride ourselves in the prompt payment of our claims. Our average claim turn around is 30 days from the date of a loss.

A written ‘Notice of Loss’ must be signed by the insured and forwarded to our office by email or online submission within 72 hours of the storm.  

Where do I find my Notice of Loss form? A copy will be emailed to you with your policy documentation. Custom to your policy.  

How do I submit my Notice of Loss? 

• Email a copy of your Notice of Loss form to info@canhail.com 

Contact your agent or our office for support if you are unable to file your claim.  

Please see ‘Submitting A Claim‘ for further details.

The company is liable for the full amount of loss provided the loss is 5% or more in the case of a non deductible (Full Cover) policy. In the case of a deductible policy, loss in excess of such percentage as endorsed on the policy by deductible.

Canadian Hail pays a harvest allowance when your loss from hail reaches or exceeds 90% on the particular acre or acres of crop insured bringing the total award to 100%. (May be different on selected deductible policies)

As a courtesy, Canadian Hail will defer loss payments at the request of the insured. We recommend however, that you consult your accountant or Revenue Canada.