Corn and soybean farmers in South Dakota experiencing a delayed harvest with potential crop loss have until Dec. 10 to contact their crop insurance agent to file a Notice of Loss and request more time to harvest.
Federal crop insurance claims are settled based on the amount of harvested production. Corn and soybean farmers in Montana, North Dakota and Wyoming also have the Dec. 10 deadline.
More information on requesting assistance due to delayed harvest is available on the US Department of Agriculture’s Risk Management Agency website.
AIPs may allow additional time to harvest, on a case-by-case basis, when all of these conditions are met:
- The producer gives timely notice of loss to his or her crop insurance agent.
- The AIP determines and documents that the delay in harvest was due to an insured cause of loss.
- The producer demonstrates that harvest was not possible due to insured causes, such as wet conditions preventing access to the field with equipment or that harvesting under such conditions would damage equipment.
- The delay in harvest was not because the producer did not have sufficient equipment or manpower to harvest the crop by the end of the insurance period.
When an AIP authorizes additional time to harvest:
- The end of the insurance period is not extended. Rather, the producer is granted additional time to attempt to harvest the crop to settle any loss based on harvested production.
- Any additional damage to the insured crop during the extension period is covered provided it is due to an insurable cause of loss like excessive moisture.
- The producer’s crop insurance policy will cover loss of quality (as specified in the crop provisions), reduced yields, and revenue losses if revenue coverage was chosen.
- The cost of drying the harvested crop is not covered.
