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When you farm for a living, a single severe thunderstorm, cold snap, or wildfire could destroy your yields for the entire year, which is why many modern farmers utilize crop insurance. These policies are designed to pay out if there’s a problem with your land or plantings, offering much-needed protection for your business. Here are a few tips for filing a crop insurance claim so that you can increase the likelihood of a successful outcome. 

How to File a Crop Insurance Claim

1. Notify the Adjuster as Soon as Possible

Keep a close eye on your crops. Many crop insurance policies state that you should notify your insurance adjuster within 72 hours after finding damage. If you don’t notice it until you begin harvesting, stop as soon as you spot problems and contact your adjuster. 

2. Report Your Acreage Accurately 

crop insuranceWhen filing a claim, report the amount of damaged crops as carefully as possible. Refer to your personal acreage report to calculate the amount of land that has been impacted. Overreporting could require agents to conduct time-intensive audits, and underreporting may mean you don’t receive as much of an indemnity check as you deserve. 

3. Wait to Destroy Damaged Crops

While many farmers are eager to destroy damaged crops and start working on the land again, wait until after the insurance adjuster has examined the space to verify your claim. To avoid problems, work closely with your insurance agent and ask when you’re allowed to burn or eradicate unusable crops. 

 

If you need crop insurance, contact Fritch Insurance in Beatrice, NE. For more than 20 years, these professionals have been helping farmers, motorists, homeowners, and business owners throughout Southeast Nebraska and Northeast Kansas find the right policies for their needs. Learn more about the company on their website, or call (402) 223-3312 to discuss coverage options with an agent.

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