Who is Canadian Hail Agencies Inc.?

Canadian Hail Agencies head office is located in Saskatoon SK, with several highly trained, courteous adjusters located throughout the three Prairie Provinces. We provide hail coverage to customers throughout Alberta, Saskatchewan and Manitoba, and have a well established network of over 700 agents spanning the prairies. We look at hail from a farmers perspective; incorporating our agricultural background with common sense.

We're committed to Service

Many Canadian Hail Agents are farmers themselves, so they understand your needs and concerns about Hail Insurance coverage. At Canadian Hail we strive to provide you with the best service and support possible. We want to earn your business, year after year, by responding to your needs. Our trained and courteous adjusters are readily available to survey your damage. Outstanding service is the pride of Canadian Hail Agencies Inc.

When does my Hail Insurance take effect?

Hail Insurance becomes effective noon the day following the date of application.

How much Hail Insurance can I buy?

CHA will provide up to $150 per acre coverage. However, total insurance may be bought up to the "ACTUAL CASH VALUE" of the crop.

When does my Hail Insurance policy expire?

Your CHA policy will expire at 12 noon standard time on October 15th or when the crop has been harvested which ever comes first.

Does my Hail Insurance Policy cover any other perils?

Yes. CHA extends cover loss or damage by fire to your policy. Coverage is paid only on the value of the crop to a maximum of the insurance per acre. (Some restrictions apply)

How can I pay for my Hail Insurance?

All applications must be accompanied by either cheque, bank draft or money order. Credit options approved by CHA may be discussed with your agent.

What Types of Hail Insurance Policy can I buy?

There are two types of hail coverage policies.

FULL COVER
This policy covers your crops for a stated value and pays losses at the ascertained damage.

DEDUCTIBLE
This policy covers your crops for a stated value and pays losses at the ascertained damage less the deductible of choice. Premiums are also less costly. This type of insurance is similar to house or auto insurance deductibles. How much risk are you willing to assume? As a home or auto owner you are familiar with your deductible being quoted in dollars $100, $250 etc. In the case of crop hail we use percentages 10% 20% etc.

WHY USE DEDUCTIBLES

• Greater Protection for your Premium Dollar.
• Larger Cash Awards on Heavier Losses.
• Rates are lower because the cost of adjusting small losses is avoided.
• The best value for your premium dollar.

When do I get paid?

CHA prides iteself in the prompt payment of its claims. Our average claim turn around is 30 days from the date of a loss.

How do I file a claim?

In all cases a written "NOTICE OF LOSS" must be signed by the insured and forwarded to our Saskatoon Office by mail within 72 hours of the storm.

How much loss do I require to file a claim?

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.

What is a "Harvest Allowance"?

CHA 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)

Can I defer my loss payment?

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

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Canadian Hail Agencies Inc.
Office:
201 - 3301 8th Street East
Saskatoon, SK, Canada
S7H 5K5
 Toll Free: 1-888-666-4245(HAIL)
Fax: 1-306-664-4492
E-mail: info@canhail.com
URL: http://www.canhail.com/