HeartBeat Fall 2018 | Page 13

A few tips to help you report claims. REPORT IN A TIMELY MANNER • If you think you may have a loss, contact your agent immediately. Policy provisions require you to report a claim within 72 hours after discovery of damage, but no later than 15 days after harvest of the unit. PREPARE FOR A CLAIM OR AUDIT REVIEW WITH ACCURATE RECORD KEEPING • Keep scale tickets and settlement sheets organized by unit. • Using soft records such as load logs or monitor records are acceptable to divide out your settlement sheets or bin measurements by unit. • If storing grain, receive approval from an adjuster to mark your bins. • If feeding grain, getting a bin measured prior to feeding is recommended. AFLATOXIN AND OTHER QUALITY ADJUSTMENTS • Contact your agent at the first sign of grain quality issues. • Samples must be taken from the field from an adjuster. CHOPPING, BALING OR ABANDONING CROPS • You must be approved by an insurance company adjuster before chopping, baling or abandoning your crop. Failure to receive approval from an adjuster could result in a loss of your claim. REVENUE CLAIMS • Keep production records accurate and separate by unit to prepare for potential claim. • Remember revenue loss claims have to be filed within 45 days following the announcement of harvest prices. COMMINGLING PRODUCTION • Commingling grain from several units requires a bin marking or load log to document production per unit. • If you plan on commingling grain from past years, contact your agent before harvest begins. CROP INSURANCE DATES TO REMEMBER October 31/November 15 Final plant date for wheat. (See your agent for details.) December 10 Insurance coverage ends on spring crops. November 14 Final date to report 2018 wheat production. December 15 Final acreage reporting date for wheat and barley. November 15 Sales closing date for PRF (Rainfall Index). December 15 Final date to report claims for spring crops. HEARTBEAT | FALL 2018 13