Forage Rainfall Insurance Program

To Enrol

There is no limit to the number of acres you may insure, but a minimum of 10 acres per legal land description is required. The deadline to apply for, reinstate, cancel or make changes to your FRIP endorsement is March 31. Your contract is continuous and unless you make changes to your endorsement by March 31, your insurance remains the same from year to year.

Fire coverage is in effect year around from April 1 to March 31.

Premium

FRIP premiums are cost-shared. Producers will pay 40 per cent while governments pay 60 per cent. Experience discounts and surcharges do not apply. Premium rates are calculated using weather station historical precipitation data, the weighting option, precipitation cap that you select. The risk of accidental fire is also included in the rate.

Forage Rainfall Insurance Program Coverage

For each land location you wish to insure you must select the following:

• Weather station
• Weighting option
• Precipitation cap
• Coverage Level (low, medium and high)

Coverage levels follow three soil zones along township boundaries. Your soil zone where your land is located, not the weather station you select, determines your coverage per acre.

You must also select the weighting option for each land location insured. This allows you to weight the April to July precipitation to best suit the growing season of your specific forage variety and your management plans for grazing your pasture.

Select a cap of either 125 or 150 per cent of normal precipitation for each land location you insure; any precipitation above this selected cap in any month will not be included in the claim calculation. This cap helps to ensure a large weather event in one month does not impact indemnities.

Monthly Precipitation Weighting Options

Forage Rainfall Claim

A forage rainfall claim is triggered when the precipitation at your selected weather station is below 80 per cent of normal. For each percentage point below that 80 per cent, 2.5 per cent of liability will be paid.

• The rainfall indemnity calculation is based on your selected monthly precipitation weighting and your selected precipitation cap.
• Precipitation includes all rainfall and snowfall amounts.
• Quality control measures include verification of all weather station data by a third party (independent of SCIC) using procedures approved by an accredited meteorologist.
• Only verified data is used in claim calculations.
• Precipitation determined for the selected weather station is the only means of determining a rainfall claim.
• Claims are not tied to individual yields or the amount of precipitation on individual parcels of land.
• Rainfall claims do not have to be filed; they are automatically calculated in August based strictly upon weather station data. Verified monthly precipitation amounts will be available on the SCIC website and at your local customer service office.

Forage Fire Claim

A fire claim requires an inspection to assess the damaged acres.

• An eligible fire claim will trigger a payment equal to the full insured value per acre. A minimum of one acre must be damaged to be eligible for payment. 
• The combined value of a rainfall claim and fire claim cannot exceed the maximum insured value per acre.
  For example, if an acre is fire damaged, the maximum value will be paid. Lack of rainfall will not trigger an additional payment.