As planting season progresses, some farmers may be in a situation where they need to replant after a weather event such as heavy rainfall or flooding. Replant gives you a second chance for the growing season. Replant coverage can help off-set some of the costs to replant part or all of your fields.
If you find yourself facing Replant decisions, Precision Risk Management is here to help you navigate the steps needed to ensure your crop insurance helps cover your risk.
In this article and related articles:
- Replant Policy Reminders
- Replant PRM Process
- Prevent Plant Overview and Policy Reminders
- Prevent Plant Common Questions
Replant Policy Reminders
If youโve already planted and believe you may need to replant, do not take any action before speaking with PRM. Taking action without prior consent could jeopardize your coverage.
Replant Eligibility Requirements
- Damage must be from an insured cause.
- The crop must have been planted on or after the earliest plant date.
- A PRM adjuster must determine itโs practical and qualifies for replant.
- Minimum replant size: 20 acres or 20% of the unit.
Appraisal Process with Self Certification
Some growers may be able to complete a Self-Certification Replant Process that does not require an on-site appraisal. A PRM Adjuster will make that determination after a discussion with the grower.
- Fewer than 100 acres per unit: May qualify for self-certification.
- More than 100 acres: Requires on-site appraisal by a PRM adjuster.
The Replant Process: On-Site Appraisals
- Contact PRM Immediately
Call your Advisor or Sales Support Team within 72 hours of noticing crop damage. Sooner the better. - Notice of Loss
Filed by phone with PRM to start the claim. - Adjuster Contact
A PRM Adjuster will reach out within 24 hours and walk you through the next steps. - Appraisal and Verification
An on-site visit is scheduled. Be present if possible to answer questions and complete paperwork. There may be follow-up or documentation needed such as Certification forms. - Finalizing the Claim
The adjuster completes the claim at the PRM office. Payments are made after your Acreage Report is submitted and your Schedule of Insurance is generated. - Receiving Your Payment
A check will be mailed as soon as the claim is closed.
Navigating Prevent Plant and Replant situations can be stressful, especially when time, weather, and finances are all in play. Thatโs why one of the most important things you can do is stay in close contact with your PRM team. By RMA regulations, before you make any decisions or take any action PRM must be contacted, and permission must be granted.
These policies are complex. Missing a required step or making a move too early can jeopardize your coverage or limit your payment options. Donโt let that happen. When in doubt, call your Risk Management Advisor. Weโre here to help protect your operation and make sure your policy works as intended. Contact your Risk Management Advisor today if you have questions or are making any PP or Replant decisions.
