Harvest Delays? Contact Insurance Agent to Ensure You’re Covered

Margy Eckelkamp ( Margy Eckelkamp )

Critical points:

  • Spring wheat and barley deadline to contact agents: Oct. 31.
  • Corn and soybean deadline to contact agents: Dec. 10.
  • You might not be covered for delayed harvest, but you definitely won’t be if you don’t reach out to an agent beforehand.

With major harvest delays in many parts of the country, USDA is advising farmers with Federal crop insurance to reach out to their Approved Insurance Provider (AIP) right away to file a Notice of Loss and request more time to finish harvest.

Producers must file a Notice of Loss and request more time to harvest before the end of the insurance period: Oct. 31 for spring wheat and barley and Dec. 10 for corn and soybeans.

“Farmers are having a hard time with weather this year, and this early fall snow is just another example of this year’s weather challenges,” said Martin Barbre, administrator of USDA’s Risk Management Agency. “Impacted producers covered by Federal crop insurance should contact their insurance agent as soon as possible to determine what actions they can take.”

AIPs might provide additional harvest time, but it’s on a case-by-case basis and must meet these conditions:

  • Producers provided timely notice of their loss to the agent
  • AIP documents and determines the harvest delay was due to an insured cause of loss
  • The producer shows harvest wasn’t possible due to insured causes, such as wet conditions preventing field access
  • Any delays in harvest were not because of insufficient equipment or manpower

If you’re approved for additional time to harvest it doesn’t extend the end of the insurance period. Instead, you’re granted additional time to harvest the crop to settle loss based on that harvest production. Additional damage to the crop during the extension is covered, provided it’s due to an insurable cause. You will have coverage for loss of crop quality and revenue losses if you have revenue coverage.

However, drying costs are not covered when harvest is delayed. You’ll still need to plan for the propane or trucking fees to get your crop into storage.

Read more about harvest in wet conditions here:

Minding Mycotoxins: How to Protect Livestock in Direct Grain Sales

Wet Grain Problem? Solution: Sell It to Livestock Owners For A Win-Win

Tools to Help with High Moisture Harvest

Could Grain Bags Be Your Wet Grain Storage Solution?

Need-To-Knows Of Moisture, Quality Deductions And Long Elevator Lines