AgriSompo North America has compiled a number of tips and reminders for our agents to refer to as harvest season begins.
For additional assistance, please contact your AgriSompo North America representative.
- If an insured has any production still being stored on-farm from a previous crop year, they must have an adjuster measure and mark that production before any production from the current year is added to it. If an ASNA adjuster does not measure and mark the previous crop year's production, that production will be included with the current year's production. As an example, if an insured has 500 bushels of wheat in a bin from their 2022 harvest, an adjuster must measure and mark the bin before any wheat is added to it from the 2023 harvest.
- If an insured decides any portion of the insured acres will not be harvested, they will need to submit a Notice of Probable Loss so an adjuster can appraise and release any acres that will not be harvested as stated in the crop provisions. This is true whether or not the insured knows they will have an MPCI loss.
- If an insured does not believe they will be able to complete harvest by the End of the Insurance Period (EOIP) date stated in the Crop Provisions or County Actuarials, they must submit a Notice of Probable Loss so an adjuster can determine how many acres will not be harvested and complete an appraisal for all unharvested acres.
- The four types of acceptable production records in determining an MPCI indemnity are sold production, unsold production that has been delivered to commercial storage, on-farm stored production measured by an adjuster, and livestock feed records. Precision Farming Technology Systems (PFTS) records may also be used as long as the insured has timely submitted the necessary documents to ASNA.
The Loss Adjustment Manual (LAM) list nine different types of commingled production:
- Harvested production from insured acreage commingled with harvested production from uninsured acreage.
- Harvested production from more than one crop year is commingled.
- Harvested production from acreage of a reported unit and from acreage of an unreported unit is commingled.
- Harvested production from two or more OUs is commingled.
- Harvested production from BUs and/or from different policies/counties is commingled.
- Harvested production from different practices/types, or with separate coverage levels with separate APH yields within a unit, is commingled.
- Harvested production from two or more units with separate coverage levels for IRR and NIRR practices is commingled.
- Harvested production from an EP or MCEU with an IRR practice is commingled with an EP or MCEU with a NIRR practice.
- Harvested production from an EU or MCEU with an IRR/NIRR practice is commingled with a BU/OU with a NIRR/IRR practice.
Avoiding Commingled Production
- If an insured needs to put multiple units in the same on-farm storage structure, the insured should mark the structure when they change from one unit to another. Structure marks need to be in permanent marker. Information needed to identify the unit or field must be included both above the mark and below the mark, along with the date of harvest and the conveyance used to transport the grain to the bin and the estimated bushel volume per conveyance.
- Maintain a contemporaneous ledger, or log, by crop, recording loads of production for the crop identified by unit and/or field identification, date of harvest, the identity of the conveyance used to transport the grain to the bin, and the estimated bushel volume per conveyance. To be considered contemporaneous, all production must be accounted for. Here is an example of how quickly a log can no longer be considered contemporaneous: An insured is using the scales on their grain cart to identify where the production was harvested. After harvesting a field, the combine dumps directly into the semi, bypassing the grain cart. The grain cart log is no longer considered contemporaneous.
Precision Farming Technology Systems (PFTS)
Acceptable PFTSs used to establish records for total production must include at least the following components:
- GPS technology integrated with planter monitors, combine monitors, and yield mapping software.
- The capability to produce summary reports that reflect planted acres, harvested acres, and harvested production.
- Report of calibrations performed per manufacturer’s requirements.
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AgriSompo North America is one of the nation’s largest underwriters of federally-sponsored crop insurance. We’re dedicated to protecting the livelihoods of farmers and ranchers by offering direct and customized agribusiness risk management products through a nation-wide network of exceptional independent crop insurance agents.
For general questions, information regarding agency appointments, or to find an AgriSompo North America agent in your area, contact us today.