A warm winter and lack of snow across the upper Midwest let some farmers get field work and planting done earlier than normal. Emergence of early-planted crops is slow due to excess precipitation and cooler temperatures. The lack of crop growth has farmers questioning if their replant provision of their crop insurance policy will be triggered.
Replant coverage is part of revenue or yield protection. It is not available on catastrophic crop insurance (CAT) policies. Replant payments are calculated using the projected price.
How Replant Works
Farmers must reseed the same crop in the same physical location to receive a replant payment. You cannot plant a different crop. Switching to a different crop is not considered replanting and will not be covered under this provision. You should contact your agent to find out if you qualify for a replant payment.
Acreage eligible for a replant payment:
• Acreage must meet the 20/20 rule (20 acres or 20% of planted acreage in the unit)
• It is physically possible to replant the acreage
• Seed, germination, emergence, and formation of a healthy plant is likely
• Field, soil, and growing conditions allow for proper planting and growth to maturity
Acreage not eligible for a replant payment:
• Acreage does not meet the 20/20 rule
• Appraisal of crop exceeds 90% of the guarantee
• Initially planted prior to the earliest planting date in the Special Provisions
• A replant payment has already been allowed for the year
• The insurance company determines it is no longer practical to replant
Do not hesitate to contact your insurance specialist if you are considering replanting. Authorization from the adjuster must be obtained prior to replanting the crop. If prior authorization is not obtained from the adjuster, the acreage will be considered destroyed without consent and no replant payment will be made on those acres.
Private replant policies are available for an additional charge from many insurance companies. However, the deadline to purchase a policy was March 15. Contact your insurance specialist to learn more about replant provisions and find out if it would be a good fit for your future risk mitigation strategy.
