When Planting Goes Wrong...

Kevin Ganoe, Area Field Crop Specialist
Central New York Dairy and Field Crops

April 15, 2019

Crop insurance can help your farm recover from a crop failure.  Did you know it an also help you manage risk at planting time?  Most crop insurance polices include provisions that can compensate you if you are unable to plant or help you afford to replant your crop if necessary  

Prevented Planting
Prevented planting provisions in insurance policies can provide valuable coverage when extreme weather conditions prevent or delay planting. 

Am I covered? 
Most policies include a provision for prevented planting with the exception of group risk (GRP, GRiP, and ARPI) and catastrophic- level ("CAT") policies. 

Eligibility
You may be eligible to file a claim if: 
  • Your acreage is physically available for planting
  • Your acreage was planted in at least 1 of the 4 most recent crop years
  • An insured cause of loss occurred within the insurance period, for example;
    • Excessively wet conditions throughout the growing season which prevented nearby producers from planting similar acreage
    • A specific event, like flooding, which impacted only your field
  • You were unable to plant by the final planting date or during the late planting period (generally 25 days after the final planting date but varies)
So you were unable to plant, now what? 
You must provide notice that you were prevented from planting an insured crop within 72 hours after you determine you will be unable to plant.  Then you may choose to: 
  • Leave the acreage idle or plant a cover crop (and receive a full prevented planting payment as long as you do not hay or graze the cover crop before November 1)
  • Plant the crop late (your original production guarantee applies but is reduced one percent per day for each day planting is delayed after the final planting date), OR 
  • Plant a second crop (you may receive a prevented planting payment equal to 35% of the prevented planting guarantee).

Payments
The prevented planting guarantee for most crops is typically 60% of the production guarantee purchased for timely planted acreage.  Some policies have additional coverage options available.  

Replant
Replant provisions in insurance policies provide a payment to help producers replant after extreme weather destroys a planting. 

Am I covered?
Most policies include a replant provision with the exception of group risk (GRP, GRiP, and ARPI) and catastrophic-level ("CAT") policies. 

Eligibility
The acres to be replanted must be:
  • Originally planted on or after the earliest planting date
  • Either at least 20 acres total or 20% of the insured planted acreage (whichever is less-this is known as the "20/20 Rule")
  • Affected by an insured cause of loss such as a late frost
  • Appraised as having an expected yield below 90% of the guaranteed yield in your policy 
  • Determined to be "practical to replant" by an Authorized Crop Insurance Adjuster
  • Replanted with the original crop.
So, your  planting was destroyed, now what? 
  • Notify your crop insurance agent within 72 hours
  • An adjuster will appraise your expected yield and whether it is practical to replant
  • If applicable replant the original crop
  • Your original planting guarantee will continue as if nothing had happened (as long as you plant before the final planting date)

Payments
The replant payment is typically equal to the lesser of either your actual costs of replanting or a formula provided in your crop insurance policy provisions (for example: for corn, the per-acre replant payment equals the projected price/bushelx8 bushels).

Cornell University delivers crop insurance education  in New York State in partnership with the USDA Risk Management Agency.  Diversity and Inclusion are a part of Cornell University's heritage.  We are an employer and educator recognized for valuing AA/EEO, Protected Veterans, and Individuals with Disabilities. 




Dairy

Dairy

Livestock

Livestock

Forages

Forages

Grains

Grains

Upcoming Events

Parasite Fecal Analysis Roadshow II

June 10, 2024 : SUNY Morrisville
Morrisville, NY


June 24, 2024 : Washington County Fairgrounds Office
Greenwich, NY


July 1, 2024 : Cobleskill
Cobleskill, NY

View Parasite Fecal Analysis Roadshow II Details

Artificial Insemination Training Course~Stillwater

June 25 - June 26, 2024 : Artificial Insemination Training Course~Stillwater
Stillwater, NY

Two-Day Course.  English / Spanish program. Lunch included.

View Artificial Insemination Training Course~Stillwater Details

Artificial Insemination Training Course~Earlville

July 15 - July 16, 2024 : Artificial Insemination Training Course~Earlville
Earlville, NY

Two-Day Course.  English / Spanish program. Lunch included.

View Artificial Insemination Training Course~Earlville Details

Announcements

Cash Rent and Custom Harvest Survey

To date, there is limited information available about rental rates and fees for crop harvesting.  Farms can use this valuable information for their farm business planning to help improve decision making and profitability. 

The data that is collected, and the subsequent reports/findings/resources will be helpful for all of us to answer that call of "What's the average rental rate in my area?" and "How much do people charge to combine oats?"

Take the survey here.


Farmers Can Join MeatSuite For Free!

MeatSuite.com is a free resource provided by Cornell University where NY meat farmers can create a farm profile and list their bulk (wholes, halves, quarters) and bundled (i.e. Grilling Bundle) meat products.

Why should farmers join?

1. It's free and easy!
2. Connect with more local customers. In the past year the MeatSuite.com farm directory had 8,300 visits from New York consumers. Farm profiles get as many as 25 views per month from potential local customers. We also spotlight MeatSuite farms on social media and bring attention and purchases to farms through highlights and giveaways.

How do I join?

Farmers can visit https://www.meatsuite.com/farmers/ to create a free farm profile. You must list at least one product for your farm's profile to go live. You'll also have access to Cornell's free Meat Price Calculator, a helpful tool for pricing your meat to make a profit.

While you're on MeatSuite, check out the "Creating Consumer-Friendly Bulk Meats" publication on the log-in page. It has tips on how to create bulk meat products that are easier for first-time buyers to say "yes" to.

If you have any questions as you create your farm profile or products, we're here to help! Please email Matt LeRoux at mnl28@cornell.edu.


Sign Up for Our Weekly E-Newsletter

We send out a bi-weekly e-newsletter that has announcements, upcoming programs, and opportunities for you!  Registration is quick, easy, and free.  Click here to sign up today!

Spotted Lanternfly

Lycorma delicatula, or Spotted Lanternfly (SLF), is an invasive plant hopper from Asia and is an agricultural pest. In the United States, it was first found in Pennsylvania in 2014. Spotted Lanternfly has been found in New York State on Staten Island, all New York City boroughs, Long Island, Port Jervis, Sloatsburg, Orangeburg, Ithaca, Binghamton, Middletown, Newburgh, Highland, and the Buffalo area. SLF threatens the agriculture and forestry industries, and is also a nuisance pest. The nymphs and adults feed on over 70 different plants, but is especially detrimental to grapes, a black walnut, hops, maple trees and apples. New York State Ag and Markets supported CCE efforts to help bring awareness to communities and we developed this Public Service Announcement and would appreciate you sharing it with your member lists. 



CCE Livestock Program Work Team

See the Livestock Program Work Team website for news, upcoming programs, and NYS Slaughterhouse Map.

NEWSLETTER   |   CURRENT PROJECTS   |   IMPACT IN NY   |   SPONSORSHIP  |  RESOURCES   |   SITE MAP