What to Do When a Multi-Peril Crop Insurance Claim Is Probable

Hi, I’m Mike Bristle, a crop insurance agent with Citizens Alliance Agency and here is a reminder of the claims process.

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Step-by-Step MPCI Claims Process

1. Notice of Loss (NOL)

• Timing is critical: You must notify your insurance agent within 72 hours of discovering crop damage or loss.

• For revenue-based policies, if the loss is due to price decline only, you have up to 45 days after the harvest price announcement to report.

2. Documentation

• Begin compiling evidence immediately:

  • Photos of damage

  • GPS coordinates and field maps

  • Planting and harvest records

  • Input applications and yield data

3. Adjuster Assignment

• Your insurance provider assigns a certified adjuster to inspect the damage.

• You’ll coordinate a field visit and provide all documentation.

• Tip: Walk the field with the adjuster to highlight specific concerns.

4. Representative Sample Areas (RSAs)

• If damage occurs close to harvest, you may be required to leave sample strips of the crop untouched for appraisal:

  • At least 10 feet wide, running the full length of the field

5. Adjuster’s Report

• After inspection, the adjuster prepares a report detailing the extent of the loss.

• Review it carefully—if anything seems off, provide additional evidence like historical yield data.

6. Claim Finalization

• Submit all required forms and documentation.

• Keep copies of everything for your records.

• Claims must be filed no later than 60 days after the end of the insurance period (or after harvest price announcement for revenue plans).

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💡 Pro Tips

• Don’t destroy or replant damaged acreage without adjuster consent—it could disqualify your claim.

• Maintain open communication with your agent and adjuster throughout the process.

• Keep detailed records year-round to make claims smoother.

If you'd like, we can help you draft a Notice of Loss or checklist for your documentation. Just say the word.