By Gary A. Hachfeld, University of Minnesota Extension Educator, Ag Business Management
The early season frost in September caught many of us off guard. Damage to crops varied statewide but the fundamental question is, as a farmer, what should I do regarding a potential loss regarding my federal crop insurance? There are some basic procedures that one needs to follow in the event of a crop loss regardless of cause. This article outlines some of those procedures.
Following an early frost, it is very common for a farmer to utilize a given crop, such as corn, for an alternative use. That is, the corn was insured as grain and intended to be used as grain but due to the early frost, the farmer decides to chop the corn for silage. This could be the case for a number of crops. If this occurs, the farmer must contact their crop insurance agent before they begin to chop the crop for silage, a use other than what was intended. A crop insurance adjuster must evaluate the crop before harvest begins. If the adjuster cannot view the crop in a timely fashion, the farmer can go ahead and chop the field but they must leave a number of check strips for the adjuster to view at a later time. If a farmer decides to use a crop for something other than its intended use, always contact the insurance agent prior to harvest.