Throughout parts of Illinois, Diplodia Ear Rot has reared its ugly head. There are many contributing factors that can cause Diplodia, but at the end of the day it can hurt your bottom line when you factor in the effects. Diplodia is not a toxin that is covered with Multi-Peril Crop Insurance. However, the results of Diplodia – low test weight and kernel damage – are covered to some extent.
There is a discount schedule that assigns discount factors as the direct result of low test weight and/or kernel damage. Discount factors apply when test weight is below 49 lbs./bushel and/or kernel damage above 10%. These discount factors will be applied directly to your production and if production is discounted enough, a loss could be triggered.
What do you do if you have suspected low test weights and/or kernel damage?
The first step is to contact your crop insurance agent to submit a harvest notice of loss to begin the process. Your elevator’s sample and/or settlement sheets from an elevator with a licensed grader on staff will provide the adjustor with the necessary information to complete the adjustment process. From there, appropriate discount factors will be applied and the claim will be completed.
What do you do if you have suspected low test weights and/or kernel damage and plan to store your corn on farm?
Again, contact your crop insurance agent to submit a harvest notice of loss. In the case of stored grain, your adjustor will contact you and notify you of the proper steps to retain a sample. The sample will be taken to an approved grading facility in order to be graded. The adjustor will apply any necessary discount factors and the claim will be completed.
For further information, please contact your local Farm Credit Illinois Regional Office.