The Companion Plan is designed to cover that portion of the crop not covered by a policy reinsured or approved by FCIC. This plan provides the grower protection against any percentage of loss caused by hail and/or fire. It is designed to work in conjunction with a policy reinsured or approved by FCIC and contains increasing payment factors, which match up with the various coverage levels as follows:
|Policy reinsured or approved by FCIC Level of Coverage||Increasing Payment Factor||Limit of Insurance not to exceed normal market value of your interest in the:|
|50%||2.0||top half of the crop|
|65%||3.0||top third of the crop|
|75%||4.0||top quarter of the crop|
Availability: Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Montana, Nebraska, North Dakota, Ohio, Oklahoma, Oregon, South Dakota, Texas, Washington, Wisconsin, and Wyoming
The Corn and Soybean Replant is an endorsement to the Crop-Hail policy that is available for growers who also have a Group Risk Plan (GRP) or Group Risk Income Protection (GRIP) policy. Coverage is provided for causes of loss other than hail that damages the corn or soybeans to the extent that they need to be replanted. The replanting coverage will be $20 per acre for both corn and soybeans at 100% interest.
Availability: Alabama, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, Ohio, South Dakota, Tennessee, and Wisconsin
The Corn, Seed Corn and Sweet Corn Green Snap or Wind Coverage endorsement provides coverage against direct loss by wind to corn, seed corn and sweet corn. Coverage options include green snap coverage, wind coverage or extra harvest expense coverage. Extra harvest expense coverage cannot be elected alone but may be added to green snap or wind coverage.
Availability: Illinois, Indiana, Iowa, Kansas (select counties), Michigan, Minnesota, Missouri, Nebraska (select counties), Ohio, South Dakota (select counties) and Wisconsin
The Cotton Module endorsement provides coverage against direct loss caused by fire for harvested cotton that is temporarily stored in the field until the cotton can be processed or ginned. The deductible percentage is 5%.
Availability: Alabama, Arizona, Arkansas, California, Georgia, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nevada, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia
The Cotton Wind endorsement provides coverage against direct loss to cotton caused by wind. Wind loss is defined as the removal of unharvested cotton in open bolls from the play by wind, hail, and/or rain in excess of the applicable deductible.
Availability: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee, and Virginia
The Production Plan Hail Endorsement is designed to cover that portion of the crop not covered by the underlying yield-based plan of insurance. The endorsement provides protection against loss caused by hail and/or fire on a unit basis. The green snap endorsement is available in some areas. More info.
Availability: Iowa, Illinois, Indiana, Kansas, Minnesota, Missouri, Montana, North Dakota, Nevada, Ohio, South Dakota, Wisconsin, and Wyoming
The Reject Coverage endorsement provides coverage against direct loss due to hail damage that causes the crop to be rejected by the processor or buyer. The underlying Crop-Hail policy will cover the direct damage caused by hail while this endorsement will cover the additional loss in value from rejection of the crop.
Availability: Florida, Georgia, Illinois, Indiana, Iowa, Michigan, Minnesota, Missouri, Ohio, Tennessee, and Wisconsin
The Small Grain Wind endorsement provides coverage against direct loss to small grain crops in Oklahoma and Texas caused by wind if accompanied by hail damage of 5% or more. Coverage is also provided against falling aircraft in Oklahoma. In Oklahoma, this endorsement also increases the amount of insurance up to twice the amount shown on the Schedule of Insurance for any loss caused by fire and lightning before harvest and while the crop is still in the harvester.
Availability: Oklahoma and Texas
The Tobacco Theft endorsement provides coverage against direct loss to tobacco caused by theft and vandalism. A $100 deductible will apply for each occurrence of loss. This endorsement can also be attached to the tobacco barn fire policy.
Availability: Kentucky and Tennessee
The Tobacco Wind endorsement provides coverage against wind damage that causes the breaking off of stalks or destruction and/or removal of leaves form the plant. The coverage options available vary by state. This endorsement also provides for the cost of labor to set up tobacco blown over by wind up to a maximum limitation as specified in the endorsement. The set up provision only applies if 10% or more of the tobacco plants have been blown over by wind.
Availability: Florida, Georgia, Kentucky, North Carolina, South Carolina, Tennessee, and Virginia
The Winter Wheat Replant endorsement extends coverage to winter wheat damaged by freeze and/or snow mold to the extent that replanting is necessary. A 10% deductible applies. The loss award will be up to 10% of the insurance per acre shown on the Schedule of Insurance, not to exceed $30 per acre for 100% interest.
Availability: Oregon and Washington