Frequently Asked Questions







	FAQs Where is the office located? How much will insurance cost? When are deadlines for Crop Insurance? I don't understand the different types of coverage for crop insurance. How can I choose the best one for me? What do I do if I have a crop loss? What if I have prior year's production in the bin and I want to add this year's crop to the bin? How is my Crop Insurance guarantee calculated? What crop insurance papers should I keep? I have a multi-peril policy on my wheat, I don't need additional insurance in case of fire do I? If I have a multi-peril wheat policy, why would I buy a hail policy? Where is the office located? We are in Inman, Kansas, at the end of main street, north, across 61 Highway. Look for our sign and our A-shaped cream-colored building. How much will insurance cost? We can give you a quote. Call us and we'll be glad to help you, or if you prefer, you can give us the information we need on our Quote page on this site and we'll get back to you with a cost estimate. (back to top) When are deadlines for Crop Insurance? Spring Crops (row crops) March 15th: Sign up deadline April 29th: Production reporting July 15th: Acreage report November 1st: Premium payment due Fall Crops (wheat) September 30th: Sign up deadline November 15th: Production reporting November 30th: Acreage report August 1st: Premium payment due (back to top) I don't understand the different types of coverage for crop insurance. How can I choose the best one for me? We have a list of the choices at this site. If you are still not sure, just give us a call and we can step you through the details and help you discover which policy would work best for you and your farming operation. We also host meetings near sign-up deadlines to provide our clients the latest information about crop insurance changes. These meetings help our clients understand policy choices as well as give them the information and the opportunity to make changes if they choose. (back to top) What do I do if I have a crop loss? Give us a call. We'll make arrangements for a crop adjustor to visit your fields as soon as possible. If you can't wait for an adjustor and you need to harvest, call us as soon as you can and leave a representative strip of the crop uncut. Just remember, the sooner you call us, the sooner we can get the ball rolling for you. (back to top) What if I have prior year's production in the bin and I want to add this year's crop to the bin? The bin must first be measured by the Farm Service Agency (FSA), OR by a crop adjuster prior to this year's crop entering the bin. The bin must also be marked to distinguish the different crop years' harvest. This is applicable for ALL crops. (back to top) How is my Crop Insurance guarantee calculated? Your guarantee is calculated by multiplying your Actual Production History (APH) times the level of coverage you select. Levels are available in 5 percent increments from 50% to 75%; even 80% is available for certain crops in certain counties. The following is an arithmetic example of how a guarantee is calculated: - (APH) of 100 bu x .65 level = Guarantee of 65 bu. This is calculated per unit, separate units may have different APH's. Remember: After you have set up units for Crop Insurance, you must harvest each unit separately, DO NOT commingle production - it will be extremely harmful to your Crop Insurance APH and the companies have some strict rules regarding the recalculation of APH's once commingling has occurred. (back to top) What crop insurance papers should I keep? There are several papers you should keep for the current crop year: Policy confirmation Production & yield report Acreage report Your schedule of insurance Maps and 578's from the FSA Settlement sheets (past four years) Seed wheat tickets (past four year) Any other proof of production (past four years) For ALL previous years you should keep your: Production & yield reports Maps and 578's from the FSA Schedules of insurance (back to top) I have a multi-peril policy on my wheat—I don't need additional insurance in case of fire, do I? A fire caused by lightning is the only fire damage that is covered by a multi-peril wheat policy. A man made fire caused by a truck muffler or combine fire for example, is not covered by a multi-peril policy. You can buy a fire policy to add to your existing policy anytime at a very economical rate. You can also get a hail policy with additional fire coverage attached that will cover man made fires as well. (back to top) If I have a multi-peril wheat policy, why would I buy a hail policy? A hail policy adds additional coverage that guarantees your entire wheat crop is covered. If you have a multi-peril policy with coverage at 70% you have 70% of your wheat crop covered. Adding a hail policy insures you have the remaining 30% of your crop covered for hail damage. In our area, hail is common and can be devastating; a hail policy can give you that extra piece of mind when those dark clouds gather before wheat harvest. (back to top)