Insurance is provided only to protect against unavoidable, naturally occurring events.
How do I initiate a claim?
Call, stop in, or email your crop insurance agent within the claim reporting deadline. Your crop insurance company will arrange for a loss adjuster to inspect your crop. It is your responsibility to contact your crop insurance agent and initiate this process.
How do I know when to file a claim?
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 stated in your crop insurance policy.
- You must notify your agent within 72 hours of discovery of crop damage. As a practical matter, you should always contact your agent immediately when you discover any crop damage.
- Crop-Hail losses need to be reported on a storm by storm basis. Losses will not be adjusted until approximately 10 days after the storm date.
- If you discover a loss while you are harvesting, contact your agent right away.
- In the event of losses, you must 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 or high moisture, you must file notice at least 15 days before harvest begins.
- The End of Insurance Period (EOIP), is the earlier of:
- Harvest of crop.
- Destruction of crop, or
- Specific calendar date, listed in Crop Provisions (e.g. Corn and Soybeans is December 10th.
- The End of Insurance Period (EOIP), is the earlier of:
- MPCI Revenue claims must be submitted within 45 days of Harvest Price announcement.