Excess moisture, flooding insured perils under AgriInsurance

Jul 08, 2026

Excessive precipitation across northern Alberta over the past several weeks has significantly impacted seeding progress for many producers and is causing fields to flood in some areas.

Agriculture Financial Services (AFSC) recognizes these kinds of conditions can create uncertainty and worry for producers trying to manage the distressed acres.

In anticipation of issues arising from the wet weather, AFSC extended seeding dates for some regions to give producers additional time. These extensions only apply to the 2026 crop year. Clients with elected acres under the Silage Greenfeed Lack of Moisture program have until July 15 to seed those crops.

The deadline to file land reports was June 20. Once all reports have been processed, AFSC will have a clearer picture of total seeded versus unseeded acres and overall production impacts.

Insured causes of loss
Excess moisture and flood are insured perils (cause of loss) under AFSC’s production-based Annual Crop Insurance and Hay Insurance. The following AgriInsurance features and benefits are available to producers to help protect them from excess moisture-based loss.

Stage 1 & Stage 2 Crop Losses
Understanding the distinction is important, as claims and compensation differ depending on crop stage. Where the insured has notified AFSC of a loss:

Stage 1 (establishment loss)- on or before June 20
Occurs when a crop fails early due to insurable perils.
May qualify for reseeding benefits or partial compensation for production loss.
Stage 2 (production loss)- on or after June 21
Applies once the crop is established but yield is reduced due to insurable perils.
Paid based on actual production shortfall compared to coverage.

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