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April 15, 2004

Important changes have been made to the Common Crop Insurance Policy (Double Cropping Coverage, Prevented Planting Coverage, Organic Farming Coverage) and Dry Bean Rotation Statement.

In addition, type and variety changes are in place for the 2004 crop insurance program.

Double cropping
Although Northarvest is not a double cropping region, this change may have insurance implications. Example: A freeze completely destroys an insured stand and the adjuster zeroes out the production and releases the acreage. The released acreage could subsequently be replanted to a different crop in the same crop year.

Based on this example, if a second crop is planted and insured, indemnity payments are treated as following:

If an indemnity is payable on the second crop, the indemnity payment for the first crop will be limited to 35%, and 35% of the total premium will be due for the first crop. 100% indemnity payment and 100% of the total premium will be due for the second crop.

If an indemnity is not payable on the second crop, the insured will receive 100% of the indemnity payment for the first crop, and 100% of the total premium will be due for the first crop. In addition, if a second crop is not planted, or if a second crop is planted but not insured, the producer will receive 100% of the indemnity payment for the first crop, and 100% of the total premium will be due.

Prevented planting notification
The insured must provide prevented planting notification within 72 hours after either the final planting date for the crop or the time when it is determined that the crop cannot be planted within the applicable late planting period. If another crop is not planted on the same acreage, 100% of the prevented planting indemnity will be paid. If another crop is planted on or before the final planting date or during the applicable planting period, prevented planting coverage will not be provided. If another crop is planted after the final planting date (for crops without a late planting period) or after the applicable late planting period (crops with a late planting period) the prevented planting indemnity payment will be limited to 35% (and 35% of the total premium will be due on the first crop). Additionally for APH purposes, you will receive 60% of the approved yield for the first prevented planting crop. The only exception to this rule is a cover crop that will not be hayed, grazed or otherwise harvested. The 35% limit applies whether the second crop is insured, not insured, or has a loss.

Organic beans
Dry beans grown under an organic farming practice are now insurable without a written agreement in Minnesota and North Dakota. Separate optional units may be established for the organic practice.

The dry bean rotation statement has been changed to read as follows:

Insurance will not attach to any acreage on which dry beans, canola, crambe, mustard, rapeseed, soybeans, or sunflowers have been planted in the preceding crop year. A crop which was planted and then all plant growth is terminated by chemical or mechanical means prior to the acreage reporting date, will not be considered to be planted for rotational purposes only. The insured is responsible to provide proof of insurability.

County changes
Several changes were made to types and varieties covered in Minnesota and North Dakota.
In Minnesota, the white kidney varieties Beluga and Lassen are now added to the special provision list in West Polk County. Other varieties of white kidney beans may be insured by written agreement. The NIBR-NI practice was added to Black turtle beans in Marshall County.

In North Dakota, black turtle beans were added to the coverage list in Burleigh, Emmons, Grant, Hettinger, Kidder, McHenry, McKenzie, McLean, Oliver, Pierce, Rolette, Towner and Williams counties.

In addition, several variety changes were added: Black Knight, Blackhawk, Blackjack, & Jaguar varieties to the NIBR or solid seeded practice to the Black Turtle insurable variety list; Messina variety to the Cranberry insurable variety list; Drake variety to the Dark Red Kidney insurable variety list. Added UI  239, & UI  259 varieties to the Small Red insurable variety list.

Important dates
The following are important dates for the dry bean crop insurance program:
Sales Closing Date  March 15.
Earliest Planting Date (all except Garbanzo types)  Depending on county - May 1 or May 5.  (April 26 in Minnesota)
Earliest Planting Date (Garbanzo types)  April 1.
Final Planting Date (all except Garbanzo types)  June 10.
Final Planting Date (Garbanzo types)  May 15.
Production Reporting Date  April 29.
Acreage Reporting Date  June 30.
Billing Date  Oct. 1.
Notification requirements
You must give notice to your agent within 72 hours of your initial discovery of damage and obtain consent before destroying any of the crop that is not harvested or putting the crop or acreage to another use.















Insurance information
See the following Web sites for more information: - (See if dry beans are insurable in your County; see what types of dry beans, planting dates, rotation requirements, statements, etc. are applicable in your county).
" - (See what it would cost you to insure a particular type of dry bean in a county).
" - (Check out county loss ratios, liabilities, premiums, indemnities for crops insured in a county). - (Find out the latest RMA news, access to all aspects of crop insurance).


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Northarvest Bean Growers Association | 50072 East Lake Seven Road | Frazee, MN 56544
Ph: 218-334-6351 | Fax: 218-334-6360 | Email: