Policyholder Responsibilities

General Duties

A crop insurance loss must be reported within 72 hours of initial discovery or damage, but not later than 15 days after the end of the insurance period. The end of the insurance period is defined as the earliest of the following:

  Total destruction of the crop

  Harvest of the unit

  Final adjustment of a loss on a unit

  Calendar date in the Crop Provisions for the end of the insurance period

  Abandonment of the crop on the unit

  As otherwise specified in the Crop Provisions

 

The Claim for Indemnity must be submitted no later than 60 days after the end of the insurance period.

Call Your Agent

  When damage occurs.

  When you feel there could be a loss.

  Before you replant.

  Before you do anything other than harvest the crop.

Reporting

Production Reporting

For production reporting, you must:

  Report accurate total production by unit.

  Keep production separate by unit.

  Not mix storage of production from different units (unless federal guidelines are followed).

  Sign reporting form and Privacy Act statement.

 

Acreage Reporting

  Report correct acres by crop and practice. Verify with FSA certification documents.

  Report the correct planting date on the day that the unit was finished being planted.

  Report accurate percent of share on each unit.

  Report all acres. Be sure to include prevented planting, uninsurable and late planted.

  Sign reporting form and Privacy Act statement, as applicable.

 

Production Record Keeping

You must keep accurate and detailed records of your production. They are used for loss and yield history purposes. You should track your production with the follow record keeping practices:

  Hard records (weight tickets, feed records, etc.)

  Soft records (weight-wagon slips, yield monitors)

  Bin measurements, if applicable. Contact your agent for more information.

  Field appraisal, if you raise livestock.

 

Reminders

Pivot Corners

Follow federal guidelines for optional units.

  All corners need to be broken out per pivot.

  Clear and discernable break from irrigated unit.

  Break may occur up until the acreage reporting date (discing, cultivating, mowing, etc. does qualify).

  Keep production separate.

  Contact your agent prior to the production reporting date to see if you qualify for optional units.

 

Best options.

  Plant field to a different crop.

  Plant the same crop in a different row direction.

  Include corners with the irrigated unit.

 

Prevented Planting

  Prevented planting claims must be submitted within 72 hours of the final plant date for the crop.

  Once an acreage report is submitted, there can be no revisions to change the prevented planting acres to a different crop.

  Contact your agent for more information.

 

Silage

  You cannot chop over 50% of your corn field for silage, until an adjuster appraises it, regardless of whether or not there is a loss.

  In a no loss situation, if you chop less than 50%, you can convert the remaining yield to grain on APH or YP only.

  For RP, crops must be appraised or strips left to harvest or chop for silage (potential for revenue loss).

 

Insurance

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