When to File a Claim
A claimant who suffers a loss estimated to be 5% or greater through damage by hail can email, fax, phone, mail, or login and submit your hail claim online to the office within 3 days of the storm. A separate claim form should be used by each owner and all questions must be answered.
Municipal Hail Insurance (MHI) maintains an adequate and continuous reinsurance program in view of the significant values at risk annually insured. This method of protection and risk transfer not only guarantees the payment of claims in heavy loss years but also provides financial stability for the organization.
Early Hail Storms
Almost every year we experience severe hail storms which occur while crops are in the early stages of growth. In many of these instances, because of the extra moisture accompanying the hail storm, damaged crops recover very well with little to no damage. In cases such as this, when the degree of recovery of the crop may be in doubt, the fairest method of assessing the permanent damage caused to the crop by hail is to defer the final adjustment of the damage for a couple of weeks, or until the crop is headed or podded. The deferment will occur with agreement of both the claimant and adjuster and an Agreement to Defer form will be completed together.
There is often a concern that because an early hail storm may cause delay in maturity, the hailed crop may be subject to damage from early fall frosts. Because of this concern, MHI provides the following frost clause:
“In the event that crops hailed in the early stages of growth receive frost damage, when other similar crops in the area which were not hailed are not frozen, the Association is prepared to review the claim. In order for a frost review to occur, the claimant must leave samples of unharvested crop. The sample must be sufficient in size that in the event of a review, our adjuster can easily identify the type of crop seeded on the parcel in question. A written request for a review must be received on or before October 31st of the current year. Any request received after this date will be refused.”
Each policy issued by Municipal Hail Insurance will cover loss to any insured acre of crop by fire through natural causes and beyond the control of the insured, but not in excess of either cash value or insured value.
In the event of a dispute, MHI provides a five step process in the event an agreement cannot be reached on the initial assessment.
- The field adjuster calls in the storm supervisor to provide a second opinion. The storm supervisor will meet with the initial adjuster and claimant in the field to reassess the loss in question.
- If step one fails, the claimant can ask for a re-inspection and another adjuster will be assigned by MHI to assess the loss.
- If step two fails to settle the loss the file moves to an appraisal.
- In the event the claimant, after signing the proof of loss as being acceptable, finds the damage greater than initially agreed to, MHI will take the following action:
- If there is undisturbed evidence of the crop left in the field, the claimant can ask for another assessment of the loss (the results of which are not binding).
- If the crop has been harvested, the claimant could ask the MHI Board to review the claim.
In all cases it is recommended that the claimant contact head office to discuss the options available as certain conditions apply in each case.
When a loss adjustment is contested, a claimant can apply for a re-inspection by filling in the Re-Inspection Information that is included on page 2 of the emailed Inspector’s Report and forward it to head office with a fee of $150.00 per quarter section to be re-inspected. The appeal for re-inspection must be made within three days of the original inspection.
In the event that agreement of loss cannot be reached through re-inspection, the claimant has the right to apply for appraisal within 48 hours of the re-inspection. Appraisal forms will be provided to the claimant by the adjuster performing the re-inspection, where an agreement cannot be reached.
Any claimant who within a period of 29 days from the 1st inspection feels their adjustment was unsatisfactory may apply in writing to have an investigation done. The fee for an investigation is $250.00. The results of the investigation are non-binding.
In the event that a claimant files a notice of loss 31 or more days after the day on which the damage was sustained and adequate evidence of the crop still remains in the field, an assessment will be made when the claimant pays a late filing fee of $250.00 in advance of the adjustment. The late filing fee of $250.00 is non-refundable.
Crops damaged by hail may be subject to a loss factor that is to be applied when calculating the payable loss. Factors will be applied in accordance with National Crop Insurance Services (NCIS) loss adjustment procedures.
Evidence To Be Left Prior To Adjustment
Evidence must be left in the event that the hailed crop will be harvested prior to adjustment. Download Form
Duties of the Members Relevant to the GIO Complaint Resolution Process
General Insurance OmbudService (GIO)
4711 Yonge Street
Toronto, ON M2N 6K8