Whether its rain, hail, or heavy winds, fall harvest has been rough in Nebraska. Tough weather can mean yield loss and reasons to look at whether losses are covered by your crop insurance.
“Just because you didn’t buy coverage for wind damage, your multi-peril insurance may have you covered depending on your situation,” says Farm Bureau Financial Services agent, Shannon Hannappel.
Hannappel says there are five things farmers should keep in mind if crop insurance claims are on your horizon.
1. Communicate with your agent right away if you think you have experienced even a slight loss.
“There’s no need to wait. Getting connected with your agent even when you aren’t sure there’s a loss is always the best course of action,” says Hannappel.
2. Keep good production records.
“If you’re commingling crops in your grain bins, make sure you can clearly identify what crops came from specific fields by marking your bins.
3. Keep irrigated and non-irrigated production yields separate when recording your production.
“At harvest, everyone wants to keep rolling, but taking the time to differentiate between irrigated and non-irrigated yields is important for your APH history and sometimes can determine if you get paid for a loss or not.”
4. Report your production levels to your agent right away, even if you’re not sure if there’s a loss.
“Don’t wait till February to report production numbers. The sooner we can get the information the better to move a claim.”
5. Post-harvest, be sure to line up a year-end planning conversation with your agent.
“It’s always better if we have the opportunity to visit about what risks your concerned about for the upcoming growing season; especially if you’re looking to make some changes in your operation for the upcoming year, i.e. adding specialty crops or moving from traditional to an organic practice.”
Hannappel says the goal is to make sure you are protected in a way that meets your operation’s needs.