Frequently Asked Questions
If I add land, what will my covered yield be?
The yield will depend on both the number of acres being added and the location of the land. It is best to discuss the details with your agent.
Are there restrictions on how many acres I can add each year?
The number of acres added will impact the options available to the insured regarding the yield method used to determine the approved APH.
What are the county T-Yields?
A yield provided in the actuarial documents which is used in calculating average and approved yields when actual yields are not available. Listed are some counties in the area. Please call our office if you are questioning a T-Yield that is not listed.
The yield will depend on both the number of acres being added and the location of the land. It is best to discuss the details with your agent.
Are there restrictions on how many acres I can add each year?
The number of acres added will impact the options available to the insured regarding the yield method used to determine the approved APH.
What are the county T-Yields?
A yield provided in the actuarial documents which is used in calculating average and approved yields when actual yields are not available. Listed are some counties in the area. Please call our office if you are questioning a T-Yield that is not listed.
If I add land in a new county, what should I do?
Please notify your agent as soon as possible. If it is prior to March 15th we will fill out an application for the new county. If it is after March 15th and you have elected on your application to include all counties, the land may be added at the same coverage type and level as your original designated county.
May I break up sod?
Yes, however there are specific procedures to follow in order to maximize the benefits of your crop insurance. If it is true native sod, a 65% T-Yield will apply. For ground previously broken, 80% of the T-Yield will be used. Separate production records for the new ground should be kept separate the 1st year. It is advantageous to start the paperwork process early to make sure the land qualifies and to avoid any potential delays at sales closing. Please see your agent for details.
If I break up sod, when should I do so?
There are New Breaking rules that depend on one of four classes under which your state falls. Please contact your agent for qualification, requirements and coverage details.
May I insure and break up land coming out of CRP?
Yes. It is to your advantage to do so within two years of exiting the Conservation Reserve Program.
What are the differences between Enterprise and Optional Units?
Optional Units offers coverage specific to each individual unit. With Enterprise Units all acres of the same crops in the same county are combined. For more explanation on the differences, please see your agent.
What are qualifications for an Enterprise Unit? An enterprise unit must contain all of the insurable acreage of the same insured crop in two or more sections. At least two of the sections must each have planted acreage that constitutes at least the lesser of 20 acres or 20% of the insured crop acreage in the enterprise unit.
You may also qualify for Enterprise units if there is planted acreage in more than 2 sections/equivalents, etc. that can be aggregated to meet the 20/20 requirement.
Please contact our office for full qualifications and understanding of Enterprise Units.
What are the subsidies for different unit structures?
Please notify your agent as soon as possible. If it is prior to March 15th we will fill out an application for the new county. If it is after March 15th and you have elected on your application to include all counties, the land may be added at the same coverage type and level as your original designated county.
May I break up sod?
Yes, however there are specific procedures to follow in order to maximize the benefits of your crop insurance. If it is true native sod, a 65% T-Yield will apply. For ground previously broken, 80% of the T-Yield will be used. Separate production records for the new ground should be kept separate the 1st year. It is advantageous to start the paperwork process early to make sure the land qualifies and to avoid any potential delays at sales closing. Please see your agent for details.
If I break up sod, when should I do so?
There are New Breaking rules that depend on one of four classes under which your state falls. Please contact your agent for qualification, requirements and coverage details.
May I insure and break up land coming out of CRP?
Yes. It is to your advantage to do so within two years of exiting the Conservation Reserve Program.
What are the differences between Enterprise and Optional Units?
Optional Units offers coverage specific to each individual unit. With Enterprise Units all acres of the same crops in the same county are combined. For more explanation on the differences, please see your agent.
What are qualifications for an Enterprise Unit? An enterprise unit must contain all of the insurable acreage of the same insured crop in two or more sections. At least two of the sections must each have planted acreage that constitutes at least the lesser of 20 acres or 20% of the insured crop acreage in the enterprise unit.
You may also qualify for Enterprise units if there is planted acreage in more than 2 sections/equivalents, etc. that can be aggregated to meet the 20/20 requirement.
Please contact our office for full qualifications and understanding of Enterprise Units.
What are the subsidies for different unit structures?
What are the initial and final plant dates for my county? (Please call our office for dates on any unlisted counties)
What happens if I plant my crop prior to the initial plant date?
By planting prior to the initial plant date, one forfeits the right to a replant claim/indemnity.
What happens if I plant my crop after the final plant date?
By planting in the late planting period, your coverage will drop by 1% per day up to 25 days. If the crop is planted later than 25 days after the final planting date the crop is un-insurable.
What is the TA option?
Trend Adjusted (TA) is an optional adjustment made to the Actual Production History (APH) to allow for added coverage and a more realistic bushel guarantee. RMA has acknowledged that seed technology and farming practices have improved at a rate that outstrips the current formula for determining unit yield. This option is an add-on and a premium is charged if it is elected and qualifies.
Do I have to insure all crops at the same level?
No. It is common for corn and soybeans to carry different coverage levels. However, all of the same crop in the county must carry the same coverage level.
How do I turn in a claim?
Please notify your agent immediately. A notice of loss will be filed with the insurance company and an adjuster will be assigned. The adjuster will then contact you directly and inform you of the procedure.
I intend to chop corn for silage, what should I do?
Please notify your agent at least two weeks prior to chopping. An appraisal will be requested and performed prior to chopping. This process is important whether or not you feel you are in a loss situation.
By planting prior to the initial plant date, one forfeits the right to a replant claim/indemnity.
What happens if I plant my crop after the final plant date?
By planting in the late planting period, your coverage will drop by 1% per day up to 25 days. If the crop is planted later than 25 days after the final planting date the crop is un-insurable.
What is the TA option?
Trend Adjusted (TA) is an optional adjustment made to the Actual Production History (APH) to allow for added coverage and a more realistic bushel guarantee. RMA has acknowledged that seed technology and farming practices have improved at a rate that outstrips the current formula for determining unit yield. This option is an add-on and a premium is charged if it is elected and qualifies.
Do I have to insure all crops at the same level?
No. It is common for corn and soybeans to carry different coverage levels. However, all of the same crop in the county must carry the same coverage level.
How do I turn in a claim?
Please notify your agent immediately. A notice of loss will be filed with the insurance company and an adjuster will be assigned. The adjuster will then contact you directly and inform you of the procedure.
I intend to chop corn for silage, what should I do?
Please notify your agent at least two weeks prior to chopping. An appraisal will be requested and performed prior to chopping. This process is important whether or not you feel you are in a loss situation.
