Policy Terms
To reseed or transplant due to the condition of the original crop.
What is replant?
This policy supplements the MPCI replant option.
What is RO?
Once the loss exceeds 5% then the amount payable will be the percent in excess of 5%, multiplied by a factor of 3.0.
What is cp3?
The acreage that has at least 10% of the stalks of field corn "blown down".
What is EHE acreage?
At this indemnity level, 2 adjusters are required to work the claim and sign the proof of loss.
What is $250,001
Precipitation in the form transparent or partially opaque balls or irregular lumps of concentric ice, and does not include sleet, snow, and frozen or partly frozen rain.
What is Hail?
This endorsement extends coverage to field corn against direct loss due to green snap or wind and is only available in conjunction with a crop hail production plan policy.
What is production wind?
Provides a loss payment when the adjusted loss per acre exceeds 10%. The percentage per acre then payable will be the percent in excess of 10%. When the percent of loss exceeds 20%, an additional 2% will be paid for each percent in excess of 20%. Once the adjusted loss exceeds 25%, this provision no longer applies.
What is DDA?
A stalk of corn which is severed or broken above the brace root and below the ear node from wind such that an ear is prevented from forming or the ear cannot be mechanically harvested.
What is green snap?
When a claim liability meets or surpasses $100,000 this is necessary.
What is a High Dollar Claim Review?
Only that damage to the insured crop caused by the initial impact of the insured peril.
What is direct loss?
This endorsement extends coverage to corn against direct loss due to Green Snap or Wind, as defined in the endorsement.
What is Wind/Extra Harvest Expense?
Provides a loss payment when the adjusted percent of loss per acre exceeds 5%. The loss payment shall be that percent in excess of 5% multiplied by 1.25.
What is DXS 5?
A loss will be paid on acreage that has at least 10% of the corn “blown down” provided that the “qualifying acreage” exceeds 20% of the field item or 20 acres, whichever is less.
What is EHE?
A hail claim on a line with 121 acres requires this number of counts.
What is 4?
The list of crops, locations, policy forms and amounts of insurance as contained in the policy as issued by us.
What is schedule of insurance?
This endorsement adds continuous coverage to the private product policy.
What is Advantage/CHL?
The insured elects to be paid, up to 5% of the adjusted peril damage without consideration of a production loss.
What is CHP First -5%
Coverage ceases the earlier of harvest of the insured crop or 12:01 a.m. October 1st, unless the insured elects on the application to pay an increased premium rate to extend the coverage expiration date to 12:01 a.m. November 1st.
What is the wind end date.
These are required on all private product claims unless you do not visit the field.
What are pictures
When the remaining growing season is considered sufficient for a crop to reach maturity.
What is Feasible to Replant
This endorsement amends the crop hail policy to include coverage for direct loss to the adjusted tonnage.
What is Sugar beet Wind, Freeze, and Soil Crusting.
Once the ascertained percentage of loss per acre exceeds 70%, an additional one-half of the percent of loss that is in excess of 70% will be paid.
What is Catastrophe Loss Award?
Green snap, ears of corn on the ground, ears of corn on laid over stalks that cannot be mechanically harvested. All types of this direct damage must be the result of this. Stalks must be free of insect, disease, animal, or chemical damage.
What is wind?
This is a factual description of how a claim was worked. It is required any time a claim has unusual or special circumstances, or the adjuster deems it necessary to explain how the claim is to be paid.
What is a special report?