In order to be at the front of the line, so to speak, to have your reviews completed, file your claim immediately after determining suspected crop damage.
To file a claim contact your crop insurance agent. You may want to follow up in writing in order to have a copy for your records. After your contact the crop insurance company will send a loss adjuster to inspect your crop. The loss adjuster will determine whether your yield will fall below the yield guarantee that is documented in your crop insurance policy.
The anticipated high volume of claims will put a strain on loss adjusters’ time – another reason to file your claim as soon as possible.
Producers can help expedite the reviews process by starting to collect the needed documentation from the previous three years. Examples of hard copy documentation that may be needed include:
· Settlement sheets for sold production.
· Measurements for farm stored production.
· Loss paperwork.
After you file a claim and you are waiting for the loss adjuster, remember these rules from the Risk Management Agency:
· Do not destroy any of your crop.
· Do not disk.
· Do not plow.
· Do not replant.
The bottom line: Do nothing to destroy your crop until you have permission from a claims adjustor or your insurance company representative.
All claims must be filed no later than 15 days after the end of the insurance period, even if the crop has not been harvested. Remember STAR Insurance’s advice, though, and file now or be prepared for a long wait for your claim to be settled.
Star Financial Bank