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11/2/2009 - 11/8/2009

Late Harvest and Crop Insurance Coverage

By William Edwards, Department of Economics

Iowa and other Corn Belt states are experiencing one of the latest and slowest harvest seasons on record. Some producers have had concerns about whether their crop insurance coverage will be still be in effect if harvesting drags into December.

The standard policy for corn and soybeans in the Midwest states that Dec. 10 is the end of the insurance period. However, producers may request their insurance company to allow them additional time to complete harvesting. This can be granted when timely notice is given to the agent and the delay is due to an insured cause, such as wet weather or snowfall.  This will allow any claims to be settled based on actual harvested production rather than an appraisal in the field.

Generally, if insured acres are still not harvested by early December, producers should contact their crop insurance agents and request additional harvest time beyond Dec. 10.  Producers are required to make an honest effort to harvest the crop during the extended period if conditions allow, or to document why they were unable to do so with a written record and even photos.

The Risk Management Agency, which regulates multiple peril crop insurance policies, recently issued a program announcement regarding wet harvest conditions.  The standard crop insurance policies cover quality losses due to low test weight, foreign material and mold, as well as low yields and prices. However, increased drying costs and charges are not covered.


William Edwards is a professor of economics with extension responsibilities in farm business management. Edwards can be contacted at (515) 294-6161 or by emailing

Nov. 2 Crop and Weather Report

By Doug Cooper, Extension Communications and External Relations

Crop and weather report guests include Charles Hurburgh, Iowa State University professor of ag and biosystems engineering and professor in charge of the Grain Quality Initiative; ISU Extension climatologist Elwynn Taylor, integrated pest management specialist Rich Pope, and soybean agronomist Palle Pedersen.

Taylor says the weather service predicts temperatures staying warmer than usual, but normal to wetter than normal for the next week.

Pope tells producers to go day by day and base their harvest activities on daily observations of what is going on in the fields, then get equipment set properly and go to it. High moisture is leading to ear rots – some mycotoxic in some fields.

Hurburgh discusses how the grain industry isn’t set up to handle drying beans any more, which means wet beans will need to be handled on the farm. He says it isn’t complicated and is necessary to protect the crop.

Pedersen joins other soybean growers – he doesn’t have all his bean plots harvested yet. He talks about the seriousness of the situation of wet beans, and beans still in the field at the first of November. He estimates, based on research, producers are losing 2 percent of their yield each week they remain in the field.

This article was published originally on 11/9/2009 The information contained within the article may or may not be up to date depending on when you are accessing the information.

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