Posted by GeneMO on November 04, 2013 at 15:57:26 from (71.51.202.146):
In Reply to: Crop insurance posted by IaGary on November 04, 2013 at 12:01:31:
Doesn't cover "all" losses.
Fire: If caused by an act of God, lightning for instance.
Livestock damage or chemical overspray or misapplication of chemicals or carryover: Not covered.
Neglect or poor farming practices: Not covered.
Experimental or using varieties of seed not adapted to the area: Not covered.
Wildlife: Covered if an unavoidable circumstance or occasional. If you have loss after loss, or it if obvious to the adjuster that you are running a hunting preserve or putting out lots of foodplots elsewhere on the property, etc. A deer stand and salt lick every 200 yards looks suspicious.
Private hail, fire and lightning ins. is also available and works good in conjunction with MPCI.
Private hail policies cover hail, fire, lightning, vandalism and Malicious michief, and collapse of bridges, docks, and culverts and overturn of trucks. Plus some private policies covers grain in storage on an all risk basis which could include theft, wind, tornado, etc. Private hail policies work good for hail, cause they offer coverage on an acre basis. 5 acres destroyed by hail, they pay on the 5 acres, whereas MPCI may not pay at all since it covers on a "unit" basis.
Best have a good agent go over all this. An agent specalizing in crop ins. Not a life ins. agent who writes a handfull of policies.
March 15 is the deadline as a rule for Spring crops.
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