Rain doesn't wait for a claims assessor. Neither should your payout.
Wet Harvest pays out automatically when rain crosses your threshold during harvest — based on the Bureau's own numbers, not someone else's judgement of your paddock.
Jono's spent years studying how rain at harvest actually hits grain quality — including his own research at the University of Southern Queensland on rainfall's effect during the harvest window. In this video, he walks through a real worked example: a grower hedging $1,000,000 of downgrade risk on wheat, and exactly how the numbers come together.
Free 30-Minute Wet Harvest Risk Review with Jono Barratt — see what your own paddock is exposed to before the rain does the maths for you.
Why a Wet Harvest Costs More Than a Delay
Rain during harvest doesn't just cost you time on the header — it downgrades the grain itself, and the discount can be steep.
Downgrade Range
Significant rain over a harvest window can discount wheat, barley, hay and other crops by 30 to 50 percent depending on severity — for noodle wheat and hay, a rain event can mean a straight 50 percent downgrade.
The Milling-to-Feed Gap
A real Condobolin grower's 2022 wheat crop faced a swing from $360/tonne milling grade to $252/tonne feed grade — a $108/tonne gap on every downgraded tonne.
Yield Loss from Delay
Before quality is even factored in, GRDC data shows harvest delays alone — through pod drop, shattering and lodging — can cost 5 to 20 percent of yield.
Already Worked, for a Real Grower
Jono's example shows how the maths works. Here's what it looked like when it happened for real.
Total payouts banked across three harvests — 2021, 2022 and 2024 — for a Condobolin grower
Single-season payout in 2022 alone — Condobolin NSW
Two different crops and three different wet seasons covered
A grower near Condobolin has used Wet Harvest cover for three harvests running — 2021, 2022 and 2024 — and banked over $1.2 million in payouts across two different crops and three different wet seasons, including $475,000 in 2022 alone.
Read the full storyIndividual results vary by property, crop, cover selected and season — past payouts aren't a guarantee of future ones.
See What a Wet Harvest Would Cost You
Jono's example was one grower's numbers. Here's yours. Enter your expected yield, your grade price and what a downgrade would actually cost — the calculator models your own wet harvest scenarios, based on your own thresholds. Takes about two minutes. No obligation, and no farm details are required to see your result. Want a copy? Once you've got your numbers, you can have the full report emailed to you.
Simulate Your Wet-Harvest Downgrade Exposure & Parametric Recovery
Based on grade-downgrade economics & CelsiusPro dual-trigger Rain certificate terms.
Work through the three steps below. Tap each heading to open that section — only one is open at a time.
- 1Enter your crop inputs
- 2Select the wet harvest scenario
- 3Specify the certificate terms
Simulated Financial Outcome
| Metric | Unhedged | Hedged |
|---|---|---|
| Baseline Revenue (Optimal) | $540,000 | $540,000 |
| Downgraded Tonnes | -450 t | -450 t |
| Revenue Lost to Downgrade | -$48,600 | -$48,600 |
| Actual Harvest Revenue | $491,400 | $491,400 |
| Rain Season Payout | $0 | +$100,000 |
| Rain Day Payout | $0 | +$30,000 |
| Total Certificate Payout | $0 | +$130,000 |
| Net Financial Position | $491,400 | $621,400 |
Enter your email to download a professionally formatted report of your inputs and results.
Formulas & Assumptions
• Baseline Revenue = 1,500 t × $360/t = $540,000
• Downgraded Tonnes = 1,500 t × 30% = 450 t
• Revenue Loss = 450 t × ($360 − $252) = $48,600
• Rain Season Payout = max(0, 150mm − 100mm) × $2,000/mm = $100,000 → capped at $100,000
• Rain Day Payout = max(0, 5d − 3d) × $15,000/day = $30,000 → capped at $30,000
• Total Payout = $100,000 + $30,000 = $130,000
• Hedged Net = $491,400 + $130,000 = $621,400
The Wet Harvest certificate combines two independent triggers (Rain Season + Rain Day). Biological grade-downgrade loss is decoupled from the insurance payouts. Illustrative simulation only — not a quote or binding offer.
Free 30-Minute Wet Harvest Risk Review with Jono Barratt (Valued at $450)
On the call, Jono will:
Pull your local BOM station's actual rainfall history for your harvest window
Show you what your own numbers would have paid out in a wet year like 2010 or a dry one like 2000
Design Rain Day and Rain Season thresholds matched to your crop and grade spread
Give you a real premium quote to take away — no obligation, no pressure
Plus: you'll keep your personalised Wet Harvest Risk Report either way.
Enter Your Details & Select Slot Below
What This Isn't
A Wet Harvest Certificate pays what you agreed to when your thresholds were set — it isn't a loss adjuster's assessment of exactly what your downgrade cost you, because there isn't one. That's the trade-off, made deliberately: give up precision, gain speed and certainty. Once a payout's landed in 20 days instead of six months, most growers find it's the trade worth making.
The Relief of Certainty in an Uncertain Australian Climate
Traditional multi-peril crop insurance forces you through weeks of loss adjusters, field inspections, and tedious haggling. CelsiusPro changes everything with weather-triggered parametric technology.
No Claims, No Assessors
No case to build for your own loss in the middle of harvest, and nobody walks your paddock to decide how bad it really was. The Bureau's numbers decide, not a judgement call.
Automatic Payout in Under 20 Days
Cash lands while you can still do something with it — not six months after an indemnity claim finally clears.
Built Around Your Operation
Rain Day and Rain Season thresholds set to your crop, your harvest window and your risk — not a generic policy.