Insurance claims are regulated by the Saskatchewan Insurance Act under the Hail coverage section and are processed through the work of crop hail insurance adjusters. The adjusters who work for Butler Byers Hail are highly trained professionals whose job is to help the producer determine the amount of loss and submit the claim for payment. There is no charge to the farmer/insured for this service.

In the case of a loss, each of the parties has specific responsibilities,

Producer/Insured's Responsibility:

• check fields regularly
• make claim within 72 hours of storm
• fill out claim form (included with original policy or available through the local agent)
• accompany adjuster to the field and co-operate in determining the amount of the loss
• to appoint a Power of Attorney if a loss has been suffered and the insured will not be available at the time of adjustment

Butler Byers Hail Insurance Responsibility:

• appoint an adjuster
• process proof of loss and make payment to insured

Adjuster's Responsibility:

• to provide an honest assessment that is fair to both the farmer and the insuring company
• to conduct himself in a courteous, professional manner
• work with insured to determine loss
• submit proof of loss form to Butler Byers Hail
• maintain strong knowledge base in a wide variety of plants and plant pathology, soil conditions, growing conditions and plant nutrients

In Case of Dispute:

In case of a disagreement on the amount of a loss, there is an appraisal process available, as outlined in the Insurance Act under Section 286 - Stautory Conditions #15 "Appraisal in case of disagreement".

For further information, contact Butler Byers Hail or your local broker/agent.