QUALITY PRECAUTIONS & CONCERNS

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Quality Precautions

If Aflatoxin, another Mycotoxin, or mold is suspected in your grain – you MUST contact your agent before:
• The grain is harvested
• The grain is put into storage
• The grain is delivered for sale
Your insurance provider will:
• Take samples for testing
• Submit the samples to an approved facility for grading
Because toxins can worsen in storage, quality losses are only insurable if:
• The grain is pulled by an adjuster and tested in an approved facility BEFORE being put into on-farm or commercial storage.
Losses related to toxins are NOT covered under MPCI if:
• Losses are due to increases in toxin levels while in farm storage.
• Losses cannot be documented because proper testing was not completed.

FAQ

Grain Going to On-Farm Storage:

  1. A claim must be reported to our office (your agent) at first point of determining quality concern.
  2. YOU will need to contact us prior to a claim being opened on your policy
  3. Mandatory for an adjuster to pull a sample prior to adding grain to on-farm storage, otherwise aflatoxin quality will be negated.
  4. With adjuster’s consent, strips may be left for an adjuster to pull a sample
  5. Sample will be tested by an outside testing facility for $30 per sample
    • Check will need to be provided to the adjuster at the time they pull the sample

Grain to be Delivered to Elevator or Terminal:

  1. A claim must be reported to our office (your agent) at first point of determining quality concern.
  2. YOU will need to contact us prior to a claim being opened on your policy
  3. It’s preferred that an adjuster pulls a sample prior to delivering grain to an elevator terminal
  4. With adjuster’s consent, strips may be left for an adjuster to pull a sample
  5. Sample will be tested by an outside testing facility for $30 per sample
    • Check will need to be provided to the adjuster at the time they pull the sample

ARMtech Aflatoxin Fact Sheet