Farmers face many challenges, including unpredictable weather, pests, and market fluctuations. To help handle these, farmers turn to their local crop insurance agents for help.
Jenny Brown, multi-peril specialist with Rural Mutual Insurance, oversees acres across the state with a special focus on eastern Wisconsin. She says delays in harvest schedules and the looming December 10th deadline for the end of insurance coverage are some of the biggest concerns she’s hearing from farmers.
“We still have time and I think that things will be back on track by that December deadline, says Brown. “I encourage farmers who are concerned to start having those conversations with their crop insurance agents sooner rather than later.”
Harvesting decisions, particularly in relation to moisture levels in crops, have presented challenges for farmers. The trade-off between harvesting early and dealing with high moisture content versus leaving crops in the field to naturally reduce moisture levels involves really taking a look at the cost and benefit savings.
The impact of drought and storm damage has resulted in increased claim numbers.
“Farmers are advised to open claims early, even if they believe their yields are borderline,” explains Brown. “You can always open a claim and then close it. It’s better to be on the safe side and have that open.”
She adds that farmers facing uncertainties about their field conditions are urged to consult with their insurance agents. Leaving check strips requires authorization, and agents can provide valuable insights into the best course of action, considering the specific circumstances of each field.
As the current harvest season unfolds, discussions about crop insurance for the next year have already begun.
“Farmers are encouraged to start talking with their agents to assess their current risk management plans,” says Brown. “The importance of understanding coverage levels, costs, and potential payouts is very important when preparing for the March 15th deadline.”