• Notify your agent to turn in a claim notice within 72 hours (3 days) of when you discover damage to the crop. Depending on the severity of the damage, indicate if an immediate inspection is needed for destroying or replanting acreage. Protect the crop from further damage by providing sufficient care (as you would do if no damage occurred). • Notify your agent before destroying any of the crop not to be harvested as grain (e.g., mowing, baling, chopping, pasturing, disking, etc.). • Ask if you should leave strips for company inspection. If destroying or replanting prior to claims adjuster inspection, strips are required. Leave representative strips for inspection for at least 15 days after you notify your agent, and until we approve destruction/harvest of the strips. Strips should be representative of each field, and at least 10 feet wide for the entire length of each field, with 1 representative strip for each 10 acres in the field. • Keep production from each unit separate. Do not commingle grain from different units. If weighing, weigh the production from each unit separately. • You need to supply acceptable production records by unit. It works best if you obtain and make any needed copies prior to inspection/visit by a claims adjuster. • Aflatoxin – Corn must be tested by a company adjuster PRIOR to going into the bin or being sold. The adjuster cannot pull a sample from the bin. Tests have to be run by an independent laboratory. If you suspect aflatoxin problems, please call your agent as soon as possible. • Asian Soybean Rust is a covered peril, however good farming practices and documentation of actions taken toward prevention and treatment should be followed. If you suspect rust, please contact your agent as soon as possible. For farm-stored production: • Do not commingle grain from the loss unit with other units, nor with prior year’s grain, before claims adjuster can inspect it. • Obtain company approval prior to marking bin. The adjuster will measure the bin or storage structure. Leveled grain is most accurately measured. • You are eligible for moisture, test weight, and other adjustments allowed by the policy, but the claims adjuster must pull the samples. • For production weighed and farm-stored, the scale tickets must show Unit #, crop, date, FSN, gross/ tare/net weights, location of scales, and signed/ initials by weighman. Please be prepared to provide the claims adjuster with copies of this information.
Important Crop Insurance Dates to Remember October 31 Premiums due on spring crops October 31/November 15 Final plant date for wheat (15-day late plant period available. See your agent for details.) November 14 Wheat production reporting deadline
risk management
General Instructions for Crop Insurance Claims
November 15 Acreage reporting date for Pasture, Rangeland, & Forage (PRF) November 30 Final acreage reporting date for wheat December 10 Insurance ends on spring crops December 25 Last day to report losses on spring crops
For sold or commercially-stored production: • You need to provide copies of elevator settlement or summary sheets showing 100% of the production from the acreage. • If the settlement or summary sheets do not show 100% of the production, then you need to provide copies of the settlement or summary sheets from the remaining production (other share). • Please also be prepared to provide copies of the scale tickets for all loads delivered. important note: The deadline to report production losses is 15 days after completion of harvest of the unit. Please notify your agent immediately after completion of harvest of a unit if you have or suspect a production loss.
HEARTBEAT | FALL 2011
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