A crop insurance policy won’t do you much good if you do not have the correct amount of coverage, if you do not correctly file your claim, or if you miss important insurance-related deadlines. Here’s how farmers and producers can avoid making some of the most common crop insurance mistakes:
- Fill out your policy information as accurately as possible. How much acreage are you planting? With what kinds of crops? How will you harvest these crops? All of this information might not seem important now, but it could be the difference between getting the claim money you need and not getting enough.
- Meet all annual deadlines. Your crop insurance coverage changes each time you plant – be sure that you let your insurer know if you are planting on new land, selling part of your acreage, or rotating your crops. Again, this information can and will affect your claim after a loss event.
- File a claim quickly and completely. You should file your claim as quickly as possible after your crops or your yield is affected by poor weather or other covered causes. The more information and evidence you have regarding your claim, the better.
As you can see, keeping accurate records and sharing information with your insurance company before a problem arises are the two best ways to avoid making common crop insurance mistakes. More generally, making certain that you have the correct amount of coverage and the correct types of coverage are vital to getting your claims paid after a loss event.
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