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crop claims

When weather threatens, we're standing by to help.

Founded by farmers, COUNTRY Financial® has been selling crop insurance since 1926. We know crops and have a solid reputation for helping farmers recover from loss.

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Reporting a Crop Claim

Before You Report a Claim

Information Review

Review your summary of coverage for accuracy. Then verify the information certified at FSA is the same as the information submitted on your insurance acreage report and matches how the crop is sold in every respect.

What to Check
  • Ownership of the crop (names)
  • Acreage (the nearest hundredth)
  • Location (optional units)
  • Share (percentage of the crop you own)

After You Report Your Loss

Talk with Your Adjuster

Set aside time to discuss your harvest plans with your adjuster. It is important to speak with your crop adjuster BEFORE destroying any crops. Other considerations include:

  • Understanding your unit structure
  • Having verifiable production records
  • Maintaining acceptable feed records
  • Knowing when and how to keep farm stored production separate
Acreage Appraisal

Have any acreage that will not be harvested appraised:

  • Silage (we must appraise or set up representative strips before silage is cut)
  • Grazing
  • Destroyed or Abandoned
Understand Grain Quality Issues
Questions and Concerns

If you have any additional questions or concerns please contact your crop claims adjuster. 

Preventive Planting Reminders

  • Cannot submit claim until after the final planting date for the County.
  • Claims reporting deadline is 72 hours after the late planting period (LPP).
  • Reporting PP acres on the Acreage Report does not generate a claim, a timely claim must be submitted.
  • Conditions must be general to the area.
  • Must be an insurable cause of loss.
  • The lesser of 20 acres or 20% of the unit must be prevented to qualify for an indemnity.
  • Prevent guarantee is 55% of the timely planted guarantee for corn, 60% for Soybeans
  • Can select 5% buy up (PF).
  • Full payment if no crop planted, and the acres are left “black”.
  • Can plant second crop after LPP and retain 35% prevent payment.
  • If second crop is a cover crop, full prevent payment will be received if not hayed or grazed before November 1.
  • Second crop must be insured if insured in the county.
  • Cannot plant prevented crop at any time, for harvest, and retain prevent payment.
  • Claims will be paid at the Projected (Spring) Price. Premium for prevented acres is the same as for planted acres.
  • Standing crop does not constitute a prevent situation unless mature crop cannot be harvested due to an insured peril.

Replant Reminders

  • Replanting means going back to original crop.
  • Policy stipulates replant feasibility is 10 days after Final Plant Date (FPD)
  • The lesser of 20 acres or 20% of the unit must be replanted.
  • Must be planted after initial plant date.
  • Company must give authorization to destroy initial crop.
  • Company must inspect replant acreage over 50 acres.
  • Only one replanting payment per year on any given acre.
  • Paid on the Projected (Spring) price.
  • Report initial plant date on acreage report.

Important Information for Clients about Aflatoxin

Aflatoxin is a fungal metabolite that is toxic when consumed by animals or humans. A gray/green or yellow/green mold on kernels is an indication that Aflatoxin is present. This can occur in the field or in storage.

If you have any questions regarding this issue, please contact your local adjuster or call 309-821-2261.


If you suspect your crops are subjected to Aflatoxin you should immediately turn in a claim.

  • Only the adjuster, or a representative approved by us, can secure or deliver samples to be tested.
  • If your intent is to store the grain, our adjuster or approved representative, will immediately secure a sample to be tested by a third party certified lab prior to the grain being placed in the bin.
  • If your intent is to take your harvested grain directly to the elevator and the elevator has determined there is Aflatoxin, you should request they keep samples for our adjuster or approved representative to secure. They will take the samples to a third party certified lab to confirm Aflatoxin is present. Test results for Aflatoxin need to be greater than 20.0 ppb in order for any discounts to apply.
  • RMA guidelines require the insured be responsible for all charges related to the third party certified lab. The adjuster will collect this amount from you before the lab testing is done. There is a charge for this service. 

Learn More

For more details, review our crop claims checklist. For expected large losses, review the APH Review Guidelines.