| 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:
- A claim must be reported to our office (your agent) at first point of determining quality concern.
- YOU will need to contact us prior to a claim being opened on your policy
- Mandatory for an adjuster to pull a sample prior to adding grain to on-farm storage, otherwise aflatoxin quality will be negated.
- With adjuster’s consent, strips may be left for an adjuster to pull a sample
- 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:
- A claim must be reported to our office (your agent) at first point of determining quality concern.
- YOU will need to contact us prior to a claim being opened on your policy
- It’s preferred that an adjuster pulls a sample prior to delivering grain to an elevator terminal
- With adjuster’s consent, strips may be left for an adjuster to pull a sample
- 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
