Frost Pic from a mate

[grassfarmer]

Big Wheel you sound like SF3 - losing 33 crops in 10 years lol.

[FarmJunkie]

Lol grass. I don’t think there is a perfect program short of the public picking up the tab every time u have a failure to no fault of your own. In short self insure.

[woodland]

Really great program? With this extreme weather if your in a cycle where you lost 3 3 crops like some people out of 10 your at 70% times that by 80% you are insuring 56% of what you can grow. On top of that our sask party has raised premiums and if you had the misfortune of 3 bad years by no fault of your own you get penalized on top. Kicking someone in the balls when your down plus pay those penalties not only one year but years after.
Crop
Insurance has turned into a money grab for our government.

Cattlemen have risk of price for sure but if it snows or rains or freezes the cow is still the cow.

I don’t know how Saskatchewan works but afsc uses 15 years of records to determine your average so a few excellent or a few crummy years won’t destroy your average. If you keep having claims every year should your premium stay flat or go up to reflect the fact you have greater risk for whatever reason.


You’re right if it snows or rains we still have the cows (provided they don’t die since only the coyotes win in that case) and they still eat every day. And if it doesn’t rain and there’s no grass they still eat every day. We always try to have two years of feed on hand and all our cereals have smooth awns or awnless so the cattle can graze them like they are doing after the pasture runs out early like this year.

I think insurance has many flaws but if it works for me I’ll use it. I don’t insure our hay as it limits our flexibility and I don’t like how production is calculated and it isn’t worth it in my eyes. We’ve had quite a few years of no payment (which is a good thing) and last year annual crop covered our grade and production losses very fairly and this year will likely be the same in addition to pasture due to dryness. The pasture insurance will only pay out a fraction of what the lost forage value is but it’s better than nothing.

Never want to use insurance but it allows me to sleep at night and that’s worth a lot. Good luck to all those with crop out and just know you’re not alone. 🍀