Preparing Crop Insurance Claims: What to Expect and How We Can Help

At First State Insurance Agency, we know how devastating a significant loss can be, and our team is here to support you during these difficult times. Working with an experienced Crop Insurance Agent who keeps your best interests in mind can make all the difference. From the moment a loss is discovered to the final payment, we are committed to making the process as smooth and straightforward as possible.

When it comes to crop insurance claims, here are five important things to remember:

1. Keep Production Separate by Unit: If your fields contain both irrigated and non-irrigated units (for example, pivot corners), it’s essential to keep the production for each unit separate. This distinction is crucial to ensure you can collect payment in the event of a loss.

2. Mark Bins: When storing grain in a bin, be sure to mark it clearly if you are putting more than one unit’s production in the same bin. This helps the adjuster determine where one unit’s production ends and the next begins. If you’re commingling with older crop bushels or feeding grain to livestock, request a bin measurement.

3. Grain Sold Should Match Your Policy Name: If you're taking grain to an elevator and sharing with another party or operating with multiple entities, it’s vital to sell the grain under the correct name. The name must match the insurance policy listed for the unit.

4. Report Crop Damage Promptly: If your crops have been damaged by hail or wind and the damage appears worse than initially thought, contact us before you finish harvesting. Once the crop is fully harvested, it’s too late for us to inspect and accurately assess the loss.

5. Submit Timely Production: As soon as you finish harvesting, please bring us your production. This allows us to determine which units have experienced a loss and get the claim processed and paid quickly. Any losses must be reported within 72 hours of discovery.

We understand that managing crop insurance is challenging, especially when facing the unexpected. That’s why we make it our priority to be by your side throughout the entire claims process. If you’ve experienced a loss, we want to help you know what to expect and how to navigate the situation as smoothly as possible.

If you need to report a claim, head over to our website and give us a call at any point during the process. With an unwavering commitment to personalized guidance, industry expertise, and a track record of supporting farmers through uncertainties, our Crop Insurance team is ready to partner with you to safeguard your farm’s success.

Our Crop 360 offers a comprehensive approach to service, combining a unique suite of products and expertise to meet all your insurance needs. Learn more about Crop 360 and the Crop Insurance Team behind it here.