Department of Agriculture
Risk Management Agency Fact Sheet
Washington National Office — Washington,DC
Delayed Harvest - Wet Conditions
Extremely wet or snowy conditions can delay your harvest. In some cases the moisture content is so high the crop cannot be physically harvested with normal harvesting equipment.
- Actions You Can Take
- Contact your crop insurance agent and report a loss.
- Tell your agent that your harvest is delayed because of bad weather.
- Continue your normal and customary harvesting practices, if possible.
- Document conditions for your acreage and the actions you take so you can receive an accurate claim payment, if one is due.
- You may request an extension of time to harvest if you are unable to harvest by the calendar date for the end of the insurance period. You must harvest your crop during the extension period if a window of opportunity arises. If you do not, the approved insurance provider will appraise the acreage at that time and finalize the claim based on that appraisal. Damage occurring after the window of opportunity to harvest is uninsurable.
Your crop insurance policy will cover loss of quality (as specified in the crop provisions), reduced yields, and revenue losses if you chose revenue coverage. The cost of drying the harvested crop is not covered.
- End of Insurance Period
The end of the insurance period is December 10 for most spring planted crops; November 15 for sugar beets in most states and counties; and October 15 for potatoes in some areas. The specific date is found in your crop provisions and is a contractual date that is not extended by the Risk Management Agency. Read the crop provisions in your policy to be sure of the date.
- Additional Time to Harvest
The Risk Management Agency’s procedures (Loss Adjustment Manual Standards Handbook, FCIC 25010) allow your crop insurance company to authorize policyholders, on a case-by-case basis, more time to attempt to harvest so claims can be settled based on harvested production.
Your approved insurance provider may allow additional time to harvest when the following conditions are met:
- You give timely notice of loss to your crop insurance agent;
- Your approved insurance provider determines and documents that the delay in harvest was due to an insured cause of loss;
- You demonstrate to your approved insurance provider that harvest was not possible due to insured causes; and
- The delay in harvest was not because you did not have sufficient equipment or manpower to harvest the crop by the end of the insurance period.
When your approved insurance provider authorizes additional time to harvest, the end of the insurance period is not extended. Rather, you are granted additional time to attempt to harvest the crop in order to settle any loss based on harvested production. Any additional damage to your crop (by an insured cause of loss) during the extension period is covered. Any avoidable production loss will be charged as an appraisal against the guarantee in your policy.
Please be aware that if there is significant snow cover, if the crop is under water, or if extreme wet conditions exist, your approved insurance provider should not (and is not required to) perform final inspections when conditions make it impossible to obtain accurate appraisals.
- Where to Buy Crop Insurance
All multi-peril crop insurance, including Catastrophic Risk Protection policies, are available from private insurance agents. A list of crop insurance agents is available at all USDA service centers and on the RMA website at: Agent Locator
This fact sheet gives only a general overview of the crop insurance program and is not a complete policy. For further information and an evaluation of your risk management needs, contact a crop insurance agent
The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race, color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion, sexual orientation, genetic information, political beliefs, reprisal, or because all or a part of an individual’s income is derived from any public assistance program. (Not all prohibited bases apply to all programs.) Persons with disabilities who require alternative means for communication of program information (Braille, large print, audiotape, etc.) should contact USDA’s TARGET Center at 202-720-2600 (voice and TDD). To file a complaint of discrimination, complete, sign and mail a program discrimination complaint form, (available at any USDA office location or online at www.ascr.usda.gov), to: United States Department of Agriculture; Office of the Assistant Secretary for Civil Rights; 1400 Independence Ave., SW; Washington, DC 20250-9410. Or call toll free at (866) 632- 9992 (voice) to obtain additional information, the appropriate office or to request documents. Individuals who are deaf, hard of hearing, or have speech disabilities may contact USDA through the Federal Relay service at (800) 877-8339 or (800) 845-6136.