Common use of Uninsured Causes of Loss Clause in Contracts

Uninsured Causes of Loss. ‌ When Uninsured Causes of Loss are determined, claims may be reduced or denied, reflecting the amount of production and/or Quality Loss due to the uninsured causes. The acres remain insured and full Premium remains payable. Common examples where Uninsured Causes of Loss may be applied include, but are not limited to: unapproved, untimely or improperly applied products or methods for the: i. control of weeds, ii. control of insects, iii. control of plant diseases, iv. enhancement of plant development; inadequate machinery, labour or failure to complete repairs to equipment on a timely basis; machinery and equipment failure due to mechanical defects or improper operations;‌ damage to an Insured Crop from fertilizers, herbicides, pesticides, fungicides, soil or crop additives or any other product where the damage was caused by drift, residue, improper direct application or improper use of product; untimely harvest practices for the area and the crop; improper harvest management;‌ damage by domestic animals or poultry; neglect or theft of the Insured Crop;‌ negligent or wrongful acts of a third party (e.g. spray drift or stray animals); damage after an inspection by AFSC or while in storage, including heating; grade reduction before an inspection by AFSC if stored production is not weather protected; or any Designated Peril deemed avoidable by AFSC. If AFSC pays no Indemnity because of an Uninsured Cause of Loss, AFSC will not refund any portion of the Premium and the Insured is not relieved from paying any outstanding Premium.

Uninsured Causes of Loss. ‌ When Uninsured Causes of Loss are determined, claims may be reduced or denied, reflecting the amount of production and/or Quality Loss due to the uninsured causes. The acres remain insured and full Premium remains payable. Common examples where Uninsured Causes of Loss may be applied include, but are not limited to: unapproved, untimely or improperly applied products or methods for the: i. control of weeds, ii. control of insects, iii. control of plant diseases, iv. enhancement of plant development; inadequate machinery, labour or failure to complete repairs to equipment on a timely basis; machinery and equipment failure due to mechanical defects or improper operations;‌ operations; damage to an Insured Crop from fertilizers, herbicides, pesticides, fungicides, soil or crop additives or any other product where the damage was caused by drift, residue, improper direct application or improper use of product; untimely harvest practices for the area and the crop; improper harvest management;‌ management; damage by domestic animals or poultry; neglect or theft of the Insured Crop;‌ negligent or wrongful acts of a third party (e.g. spray drift or stray animals); damage after an inspection by AFSC or while in storage, including heating; grade reduction before an inspection by AFSC if stored production is not weather protected; or any Designated Peril ▇▇▇▇▇ deemed avoidable by AFSC. If AFSC pays no Indemnity because of an Uninsured Cause of Loss, AFSC will not refund any portion of the Premium and the Insured is not relieved from paying any outstanding Premium.