Answers from the Risk Management Agency regarding Crop Insurance and Flooding, Part III
The following information is from USDA’s Risk Management Agency website.
Q: Can an on-site inspection be waived prior to completing a claim? If I am physically unable to get to a field for planting am I covered by prevented planting?
A: While on-site field inspections cannot be waived in their entirety, if the loss adjuster determines a physical on-site inspection is impossible, the loss adjuster can document the circumstances and complete the claim.
For example, the loss adjuster makes an attempt to inspect the field but determines the insured acreage is underwater and would remain unplanted or the planted crop would be destroyed. Prevented planting payments can be made if an insured cause of loss resulted in there being NO way into a field that otherwise could be planted.
These types of cases are expected to be very limited. If there is any way into the field, even if it means the producer has to drive out of the way to reach the acreage, then the producer would be expected to do so if the field was dry enough to plant. Prevented planting payments would not be made if there was any access to the acreage. Producers, however, are not expected to go to extreme measures like airlifting equipment into a field.
See the full list of questions at: http://www.rma.usda.gov/help/faq/flood.html.
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