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Hail Insurance Program Frequently Asked Questions

Where do I go to get my hail insurance?

All policies will be issued through the State Hail Insurance Office in Helena. To reach us you can mail an application to the office, fax a worksheet or call the office.

Montana State Hail Insurance Program
Montana Department of Agriculture
P.O. Box 200201
Helena, MT 59620-0202
Phone: 406.444.5429 or 1-844-515-1571
E-mail: agrhail@mt.gov
Fax: 406.444.9442

When does my policy go into effect?

Your policy goes into effect at 12:01 a.m. the day after the application date. If mailed the postmark indicates the date of application.

Can I add more crops later?

You can add crops by taking out an additional policy. You can have more than one policy.

What if I don’t know the legal description of my fields?

You can find your field description by utilizing the Cadastral maps found online at Montana Cadastral (cadastral.mt.gov), or contact your local county Revenue Office.

How can I contact the adjuster?

You can contact the adjuster through the Montana Department of Agriculture, Hail Program Office at 406-444-5429 or 1-844-515-1571. The adjuster will call you as soon as possible.

When will the adjuster contact me?

After you submit your claim to the state office, an adjuster will be assigned to your claim. They will contact you as soon as possible. Keep in mind that the adjuster is trying to visit several sites in a day so will need to coordinate visits.

It is taking too long to get an adjuster out to my fields. Can I plow-down/hay/graze the destroyed crop to save some value?

The hail insurance claim form states: "If any insured grain has been damaged by hail and is ripe enough to harvest before the adjuster appears, the insured may precede with harvest with the exception that representative samples must be left in each field. These samples should be strips or spots of grain approximately (20'x 20') in various parts of the field. Do not select those spots or strips where the grain has been double drilled." You will not be able to graze the field as you couldn’t keep a sample.

What is the mailing address for the Helena Office?

Montana State Hail Insurance Program
Montana Department of Agriculture
P.O. Box 200201
Helena, MT 59620-0202

When is the premium due?

If you choose to charge your policy, the premium is due by November 30th. You will receive a reminder bill from the Montana Department of Agriculture. There are numerous ways to pay for your policy - find out which option best fits your needs on the Applying for Hail Insurance page, or download the Payment Options info sheet (pdf format).

What if I don’t have internet access?

You do not need internet service to purchase a policy. Contact the Montana Department of Agriculture, Hail Program Office at 406-444-5429 or toll free at 1-844-515-1571.