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JDRP Production Crop-Hail Plan

The Production Crop-Hail Plan* provides protection against physical damage to your crops from hail or other named perils. This coverage is based on your actual production history multiplied by a modified yield factor and is measured by the MPCI unit and not by acre. With the production Crop-Hail Plan you are entitled to an indemnity when:

Damage due to an insured peril that equals or exceeds 5 percent of your selected deductible.

The damaged MPCI unit has a production deficiency at the time of harvest.

Unit production must be quantified prior to indemnity payment.

Here's how the Production Crop-Hail Plan works:

• In conjunction with your MPCI policy, the Production Crop-Hail Plan is used to cover actual production deficiencies due to a hailstorm or other named peril. After a qualifying peril has occurred, damage to the unit is assessed; however, final adjustment is deferred until harvest. At harvest, the actual production deficiency for the MPCI unit is used to calculate the loss.
• The benefit of the Production Crop-Hail Plan is that the producer may be indemnified up to 100%** of the value for the lost and/or damaged crop due to hail and is less costly as it pays only for actual production losses due to hail..

The Production Crop-Hail Plan is ideal for a producer who:

• Looks at exposure on an aggregate basis as indemnity is paid on a UNIT basis, not an acre-by-acre basis..
• Understands that a crop that has sustained a hail loss can recover through a growing season and in some cases, may harvest over its actual production history.
• Is comfortable waiting until final unit production is determined prior to calculation and payment of any indemnity.

Why insure only the bottom portion of your crop or overlap coverage plans?

Eighty-five percent of all hailstorms are capable of generating up to a 30% reduction in yield. That means most Multiple Peril Crop Insurance (MPCI) coverage plans require you to assume the majority of the risk and loss for damage due to hail.

Production Crop-Hail Plan can provide hail coverage on a production basis on the portion of your crop that most other plans leave at risk. It also can provide a very affordable well working plan; however, it must be explained properly and fully understood.

Production Plan Hail Coverage is designed exclusively for each level of MPCI coverage. You'll have the protection you need on the portion of the crop which needs it the most. The top portion!

Adding a conventional crop-hail policy, in combination with MPCI or CRC and RA coverage, results in doubling coverage on the bottom of your crop. This results in double coverage for an occurrence that happens less than 15% of the time.

*Not available in all states.
**This coverage pays for the upper portion of your crop not protected by your MPCI policy.