Any time you have crop damage that will adversely affect your yield or the value of your crop, you may be eligible to file a claim. The loss adjuster will determine whether your yield falls below the yield guarantee listed in your crop insurance policy, whether it is a revenue guarantee policy like crop revenue coverage (CRC) or a traditional yield protection policy.What To Do When Reporting a Claim
- Notify your agent immediately when you discover crop damage.
- If you discover a loss while you are harvesting, stop and contact your agent right away.
- File notice immediately after each unit is harvested (within 15 days) and before the end of the insurance period.
- For sweet corn and corn cut for silage, file a notice at least 15 days before harvest begins.
- Wait for an adjuster to contact you to schedule an inspection. If you have the opportunity to replant your crop, the adjuster’s visit will be more urgent.
- Have documents ready to show the number of acres and locations of your insured crops.
- Cooperate and talk to the adjuster. He or she will be interested in what you have to say.
What Not To Do When Reporting a Claim
- Destroy any of your crop
- Disk
- Plow
- Replant
Calculating your crop yield is a complicated and disciplined process. Your adjuster has extensive classroom and field training and is constantly studying to maintain his or her certification. Your adjuster may take pictures of your fields, check the condition of neighbours’ crops or consult local weather data.
For more information about risk management and insurance in agribusiness, contact the Axis Insurance Group.
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