First Crop Planted / Second Crop Options

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First Crop Planted / Second Crop Options


RMA FAQ – Double Cropping Revision & Practical to Replant


Option 1 – You do not plant a second crop

You plant corn, experience an insurable loss causing the corn to fail, and the acreage is released by the company. If you do not plant a second crop on the same acreage, you will receive 100% of your indemnity on the corn.

Option 2 – You plant a second crop, but do not insure it

You plant corn, experience an insurable loss causing the corn to fail, and the acreage is released by the company. If you plant a second crop on the same acreage, but do not insure it (either because you do not have a policy for the second crop, you elect to waive insurance on the second crop, or the second crop is uninsurable per FCIC), you will receive 100% of your indemnity on the corn. The second crop acres need to be reported on your acreage report as uninsured or uninsurable.

Option 3 – You plant a second crop, and elect to insure it

You plant corn, experience an insurable loss causing the corn to fail, and the acreage is released by the company. If you plant a second crop on the same acreage, and choose to insure the second crop, the following conditions apply:

  1. The indemnity on the corn is limited to 35% of the insurable loss, and you will be liable for 35% of the corn premium.
  2. If your second crop DOES NOT sustain an insurable loss, you will receive the remaining 65% of the corn indemnity, and you will be liable for the remaining 65% of the corn premium.
  3. If your second crop DOES sustain an insurable loss, you can:
    • Elect to waive the indemnity on the second crop and receive the remaining 65% of the corn indemnity, though you will be liable for the remaining 65% of the corn premium and premium on the second crop.
    • Elect to keep 35% of the corn indemnity and receive 100% of the second crop indemnity.

Release of first crop will happen when it’s deemed not practical to replant by the company the tenth day after the final planting date if the crop has a late planting period of 10 days or more (Click here for Plant Dates), and you will need to declare first crop/second crop intention.

Definition of practical to replant per RMA Basic Policy Provisions – The company will determine, after loss or damage to the insured crop, based on all factors including but not limited to moisture availability, marketing window, condition of the field, and time to crop maturity, that replanting the insured crop will allow the crop to attain maturity prior to the calendar date for the end of the insurance period.  It will be considered to be practical to replant regardless of the availability of seed or plants, or the input costs necessary to produce the insured crop such as those that would be incurred for seed or plants, irrigation, water, etc.