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Coverage Options

The Association provides the following types of coverage from which an insured can choose any combination to suit their hail insurance requirement:

Full Coverage (FC)

Hail tax chargeable is 100% of the charged rate. Losses are payable when the adjusted loss is 5% or over. For losses 85% or over settlement is made as 100%.

10 Straight Deductible (10S)

Hail tax chargeable is 75% of the full cover rate and losses are paid as adjusted less the deductible of 10. For e.g. a 14% loss is paid as 4%, a loss of 85% or over is paid as 90%.

25 Straight Deductible (25S)

Hail tax chargeable is 50% of the full cover rate and losses are paid as adjusted less the deductible of 25. For e.g. a 45% loss is paid as 20%, a loss of 85% or over is paid as 75%.

10 Disappearing Deductible (10D)

Hail tax chargeable is 90% of the full cover rate. For losses paid, see chart below.

20 Disappearing Deductible (20D)

Hail tax chargeable is 75% of the full cover rate. For losses paid, see chart below.

10 Disappearing Deductible 20 Disappearing Deductible
Adjusted
Loss %
Ded. Payable
Loss %
Adjusted
Loss %
Ded. Payable
Loss %
5 10 0 10 20 0
10 10 0 20 20 0
15 10 5 40 20 20
20 10 10 41 19 22
21 9 12 42 18 24
22 8 14 43 17 26
23 7 16 44 16 28
24 6 18 45 15 30
25 5 20 46 14 32
26 4 22 47 13 34
27 3 24 48 12 36
28 2 26 49 11 38
29 1 28 50 10 40
30 0 30 51 9 42
60 0 60 52 8 44
85 0 100 53 7 46
      54 6 48
      55 5 50
      56 4 52
      57 3 54
      58 2 56
      59 1 58
      60 0 60
      70 0 70
      85 0 100
Saskatchewan Munipical Hail Insurance Local: (306) 569-1852 Toll Free: (877) 414-7644 Fax: (306) 522-3717