Harvest Reminders

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As harvest season begins, AgriSompo has compiled key tips and reminders to help agents support insureds through the claims and reporting process. These guidelines highlight common issues, required notifications and best practices to help avoid delays or coverage concerns during harvest.

For additional assistance, please contact your AgriSompo representative.

General reminders
  • If any production from a previous crop year is still stored on the farm, an adjuster must measure and mark that production before any grain from the current crop year is added. If an AgriSompo adjuster does not measure and mark the prior crop year’s production, it will be combined with the current year’s production.
    Example: If an insured has 500 bushels of wheat remaining from the 2023 harvest, an adjuster must measure and mark the bin before any wheat from the 2024 harvest is added.
  • If an insured plans not to harvest any portion of insured acreage, a Notice of Probable Loss must be submitted. This allows an adjuster to appraise and release the acres in accordance with the crop provisions. This requirement applies whether or not the insured expects an MPCI loss.
  • If an insured does not expect to complete harvest by the End of the Insurance Period date listed in the crop provisions or county actuarials, a Notice of Probable Loss must be submitted. An adjuster will determine which acres will remain unharvested and complete appraisals as required.
  • Acceptable production records used to determine an MPCI indemnity include:
    • Sold production
    • Unsold production delivered to commercial storage
    • On-farm stored production measured by an adjuster
    • Livestock feed records

Precision Farming Technology Systems records may also be used, provided all required documentation is submitted to AgriSompo in a timely manner.

Commingled production

The Loss Adjustment Manual identifies several situations where production is considered commingled, including:

  • Production from insured acreage mixed with production from uninsured acreage
  • Production from more than one crop year mixed together
  • Production from reported and unreported units mixed together
  • Production from two or more optional units mixed together
  • Production from basic units, different policies or different counties mixed together
  • Production from different practices or types, or with separate coverage levels and APH yields within a unit, mixed together
  • Production from units with separate irrigated and non-irrigated coverage levels mixed together
  • Production from enterprise, optional or basic units with irrigated practices mixed with non-irrigated practices
  • Production from enterprise or optional units with irrigated or non-irrigated practices mixed with basic or optional units with opposing practices
Avoiding commingled production
  • When multiple units must be stored in the same on-farm storage structure, the structure should be clearly marked each time storage switches from one unit to another. Marks must be made with permanent marker and include:
    • Unit or field identification above and below the mark
    • Harvest date
    • Conveyance used to transport grain to the bin
    • Estimated bushel volume per conveyance
  • Maintain a timely, detailed ledger or log by crop that records:
    • Unit and/or field identification
    • Harvest date
    • Conveyance used
    • Estimated bushels per load

To be considered contemporaneous, all production must be accounted for as it is harvested. If production is moved or recorded outside the documented system, the log may no longer qualify.

Precision farming technology systems

Precision farming technology systems used to establish total production records must include, at a minimum:

  • GPS technology integrated with planter monitors, combine monitors and yield-mapping software
  • The ability to generate summary reports showing planted acres, harvested acres and total production
  • Documentation of calibrations completed in accordance with manufacturer requirements

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