Enduring a crop loss is never easy. Growers that maintain crop insurance have the advantage of offsetting these losses. If you are unsure if you have a loss contact your crop insurance agent.
If you have damage or loss of production to an insured crop must make a reasonable attempt to protect the damaged crop further damage. If any part of your loss is due to abandonment or poor farming practice that portion of your damaged crop will not be covered.
- NOTIFY YOUR AGENT: Give notice of any damage or loss of production to your agent within 72 hours of the initial discovery of the damage but no later than 15 days after the end of the insurance period.
- The policy states that crop insurance coverage ends on each unit or part of the unit at the earliest of:
- Total destruction of the crop on the unit;
- Harvest of the insured crop on the unit;
- Final adjustment of a loss on a unit;
- The calendar date contained in the Crop Provisions or Special Provisions for the end of the insurance period;
- Abandonment of the insured crop; or
- As otherwise specified in the crop provisions.
- Crops where there is revenue coverage and no damage or loss of production;
- You must notify the Insurance Provider no later than 45 days after the latest date of the harvest price is released for any crop in the unit where there is a revenue loss.
- Do not delay. Submit claims promptly.
- As soon as you think there may be a loss, contact your agent to submit a notice of loss.
- Failure to submit claims promptly may result in a claim being denied and no indemnity paid.
- Do not destroy any insured crop that is not harvested. You must obtain consent from the insurance provider before destroying any crop that is not harvested. You must also obtain consent before putting the crop to an alternative use such as chopping for silage if the crop is insured as grain.
- Contact your agent promptly if you think that you have a loss on any of your crops.
What to expect once a claim has been submitted:
- Assemble and review all documents in a timely manner to avoid delays in processing your claim.
- The insurance company may need to do a field inspection prior to harvest; in this case the adjuster assigned to your claim should be calling you shortly.
- The insurance company will also need a copy of your production records and, if insured as organic, a copy of your current organic certification and plan prior to claim settlement.
- Please cooperate with the adjusters working on your claim by showing the adjuster the damaged crop, allowing samples cooperate with the investigation or settlement of your claim by showing the adjuster the damaged crop, allowing samples of the insured crop to be taken, and providing the adjuster with requested documents.
Submit a claim now (claim submission link)