Posted by NY 986 on November 04, 2013 at 08:54:46 from (67.142.182.22):
In Reply to: Crop insurance posted by BigMarv1085 on November 04, 2013 at 08:12:49:
The foundation is the policy covers a percentage of your typical yield and it is up to you how much coverage you want. Keep in my mind they typically insure from 50 to 75 percent of your typical yield going in 5 percent increments from the 50 to the 75. If your farm has never produced 200 bushel corn per acre the insurance provider will not insure on that basis. You can also get policies that cover revenue as well as weather related losses. You have to harvest your crop in most instances so they can measure your loss against expected yield. In some instances such as flood or drought they can come out and check assuming you will have a near complete loss before the time of harvest. Do not destroy an affected crop before the adjuster looks at it as he is the authority as to how the crop is to be handled. Even in some situations where it looks hopeless the adjuster may still have you poke with the combine. It should be said that very major changes could be coming with subsidized crop insurance if it still exists for 2014. Usually the insurance agents do not have their info packs put together much before the end of January. Do not assume much based on past programs at this point.
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