The U.S. Department of Agriculture reminds producers who currently participate in federal crop insurance and are experiencing a delay in harvesting their crop should contact their approved insurance provider to file a notice of loss and request more time to harvest.
Producers must file a notice of loss and request more time to harvest before the end of the insurance period, so that federal crop insurance claims are settled based on the amount of harvested production. The end of the insurance period for corn and soybeans is Dec. 10.
Insurance providers may allow additional time to harvest on a case-by-case basis when all these conditions are met: The producer gives timely notice of loss to his or her crop insurance agent. The insurance provider determines and documents the delay in harvest was due to an insured cause of loss. The producer demonstrates that harvest was not possible due to insured causes — such as wet conditions preventing access to the field with equipment; or that harvesting under such conditions would damage equipment. The delay in harvest was not because the producer did not have sufficient equipment or manpower to harvest the crop by the end of the insurance period.
When the insurance provider authorizes additional time to harvest, the end of the insurance period is not extended. Rather, the producer is granted additional time to attempt to harvest the crop to settle any loss based on harvested production. Any additional damage to the insured crop during the extension period is covered provided it is due to an insurable cause of loss like excessive moisture.
The producer’s crop insurance policy will cover loss of quality (as specified in the crop provisions), reduced yields and revenue losses if revenue coverage was chosen. The cost of drying the harvested crop is not covered.
This article was submitted by the U.S. Department of Agriculture.