If you have poor quality grain, in order to protect your rights under your crop insurance policy, it is imperative that you always report any damage in the required timeframes and seek advice from your insurance company (through your insurance agent) before proceeding with harvesting or destruction of the damaged crop.

Failure to do so may jeopardize your claim.

Crop insurance policies require that farmers notify their company within 72 hours of noticing a loss. It is important that farmers be proactive in checking their fields to determine if there is any damage to the crop before harvest.

Quality adjustments are available for loss in value for conditions such as low test weight, damaged kernels, and shrunken or broken kernels.

Discounts made for crop insurance loss purposes may not be the same as those seen at the elevator. For example, quality discounts begin when the test weight is less than 51 pounds, defects are above 15 percent or grade is U.S. No. 5 or worse.

RMA discount factors for wheat are constructed by compiling and using loan discount data from the Farm Service Agency and national average loan rates for the past 10 years.

These discount factors remain uniform between the Actual Production History and Revenue Plans of insurance throughout all counties in Delaware, Maryland, North Carolina, New Jersey, New York, Pennsylvania, Virginia and West Virginia.