Agricultural Losses
Roy, Morissette & Associés Inc.
Personalized Support for Quebec Producers
A major loss can destroy decades, or even generations, of work. Whether it involves livestock, dairy production, crops, or any other agricultural operation, understanding the reality of producers is necessary to properly represent their interests. We act as claims adjusters to defend the interests of producers across Quebec.
Don't let your insurance company determine the value of your damage.
Our specialists quantify your actual losses to secure the future of your business.
Building Damage Estimates
We assess the damage to all agricultural buildings, whether barns, stables, poultry houses, silos, or automated agricultural complexes.
Complete survey of the damage at the loss site
Consideration of the construction period of components and replacements based on the properties of the materials actually in place
Independent, item-by-item assessment to obtain the best compensation
Calculation of replacement value for the application of the co-insurance clause in cases of underinsurance
Contents, Products, and Herd Appraisal
We quantify your specialized equipment, your herds, and your agricultural product inventories at their true value.
Inventory of farm machinery, feeding systems, animal welfare facilities, and rolling stock
Rigorous appraisal of herds, whether open or closed, based on actual market indices
Justification of the replacement value of agricultural products
Business Interruption Losses
We align the financial demonstration of your losses with the exact and most accurate point in your agricultural calendar.
Analysis of impacts by season and critical periods
Consideration of production cycles, quotas, and crop revenues
Complete documentation to justify reimbursement of lost business profits
Recovery Strategy
We prioritize your seasonal deadlines and emergencies to build a recovery plan with you that meets your needs.
Action plan to protect the viability of your livestock operation or save your crops
Getting a clear picture of the value of the work before construction begins
Logistical support for interim feed supply or livestock relocation
Settlement Negotiation
We handle all discussions with insurance company representatives.
Line-by-line analysis of your farm insurance coverage and your specific clauses
Complete expertise to assert the true value of your property to your insurer
Results-based fees
Human Support, at Your Service
Our team has more than thirty years of experience in complex agricultural files in Quebec. Let us take care of your claim settlement so you can focus on what you do best.
A loss is a heavy burden to carry alone.
Let's talk about your loss and the right time to act.
