Crop Insurance 101: Replant Coverage Explained

Jessica Clarke, Crop Insurance Agent

As we've already seen a lot of wet weather this spring, many farmers in the mid-Atlantic are behind on their planting, which raises concerns about the upcoming growing season. Understanding replant, late planting, and prevented planting coverage in your crop insurance is crucial during such delays.

Know Your Options

During challenging planting seasons, it's essential to know what's covered by your Multi-Peril Crop Insurance (MPCI) policy to recover from losses. Here's a breakdown of the coverage included: 

What is Replant Coverage?

Replant coverage applies if your planted crop suffers damage, and you plan to replant the same crop on the same acreage. This coverage may reimburse a portion of your replanting costs. 

To qualify:

• Contact your agent and file a claim before replanting. 
• Replant at least 20 acres or 20% of the unit acres. 
• Do not plant before the Initial Plant Date (specific to county and crop). 
• Catastrophic (CAT) coverage policies are not eligible. 

We offer two types of replant claims: Regular (for over 100 acres per unit) and Self-Certification (for under 100 acres per unit). Claims can't be paid until you file your acreage report.

Do I Qualify for Late Planting Coverage?

This applies when you plant after the Final Plant Date (FPD). Coverage decreases by 1% per day during the Late Planting Period (LPP), becoming uninsurable if planted after this period. Dates vary, so contact your agent for specifics. 

Can I File a Claim for Prevented Planting Coverage?

This applies if you can't plant due to an insured cause, like widespread weather events. You may receive a percentage of expected revenue. 

To qualify: 

• File the claim after the Final Plant Date or within 72 hours after the LPP. 
• Plant at least 20 acres or 20% of insured crop acres. 
• Acreage must have been planted in one of the last four crop years. 
• Report Prevented Planting Acres on your acreage report. 

Consult your agent about rules for planting a second crop after Prevented Planting and be sure to contact your agent immediately if you might face a Prevented Planting situation. 

For personalized advice, it’s always best to consult your crop insurance agent directly. Detailed records of plant dates and acreage are essential for claims processing. 

Farm Credit's crop insurance agents are ready to review your policy and discuss replant coverage and options. We're here to help you manage risk and gain peace of mind this planting season! Contact us today at 888.339.3334 or learn more here.