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Preparing to File Crop Insurance Claims in the Wake of Hurricane Irma

Release date: 9/8/2017

Lakeland, Fla. (September 8, 2017) All Farm Credit of Central Florida offices will be closing on Friday, September 8 at noon and will remain closed on Monday, September 11 due to the forecasted severity of Hurricane Irma.

As we prepare, there are important procedures Farm Credit of Central Florida crop insurance customers should follow when claiming losses under the Federal crop insurance program. Please review the list below to make sure you are properly prepared in the event of a claim.

Citrus

  • Immediately before the storm
    • Follow best management practices to mitigate damage as much as possible
    • Take video or photographs before the storm of your grove including trees and fruit.
    • RECORDS: Take backup/duplicate copies of your records with you for a possible claim. If adjustors are unable to determine total production, they may need past production records to help make that determination.
    • Be sure you have your crop insurance agent’s contact information readily available (see below). 
  • After the storm
  • Notify your agent within 72 hours (3 days) of your initial discovery of damage.
  • Losses may be reported by telephone or in person to your Farm Credit of Central Florida crop insurance agent. However, this must be confirmed in writing within 15 days by email or letter.
  • You must obtain the insurance companies’ written consent prior to:
    • Destroying, selling or otherwise disposing of any fruit or trees that are damaged; or
    • Changing or discontinuing your normal growing practices with respect to care and maintenance of the grove; or
    • Abandoning any portion of the insured crop.
  • In order for your claim to be settled expeditiously cooperate with the adjuster by showing them the damaged crop, allowing samples of the insured crop to be taken, and providing the adjuster with all requested documents in a timely manner

Please review these hurricane tips outlined in the Citrus Industry magazine: http://citrusindustry.net/2017/06/06/preparing-recovering-hurricane/

Nursery

  • Immediately before the storm:
    • Follow best management practices to mitigate damage as much as possible
    • Inventory your plants if time allows. In the event of a claim this will assist in determining the amount damage you have.
    • Take video and photographs before the storm of your operation and plant inventory. This could also allow recovery of some lost items.
    • RECORDS. Take backup/duplicate copies of your records with you. Sales, planting, step up and dump records will be needed in the event of a claim.
    • Be sure you have your crop insurance agent’s contact information readily available (see below). 
  • After the storm:
  • Notify your agent within 72 hours (3 days) of your initial discovery of damage.
    • Losses may be reported by telephone or in person to your Farm Credit of Central Florida crop insurance agent. However, this must be confirmed in writing within 15 days by email or letter.
  • You must obtain the insurance companies’ written consent prior to:
    • Destroying, selling or otherwise disposing of any plant inventory that is damaged; or
    • Changing or discontinuing your normal growing practices with respect to care and maintenance of the insured plants; or
    • Abandoning any portion of the insured crop.
  • In order for your claim to be settled expeditiously cooperate with the adjuster by showing them the damaged crop, allowing samples of the insured crop to be taken, and providing the adjuster with all requested documents in a timely manner.

Please review the following hurricane tips outlined by the FNGLA: http://www.fngla.org/resources/hurricane/

From all indications Irma could have devastating affects all over Florida. Please be assured that we are working with our underwriting companies to have adjusters on the ground to process your claims as quickly as possible. However, if loss across the state is massive please follow the procedures above for reporting your claim, document all conversations and correspondence, stay in touch with your agent and be patient. The more records you have available, the faster the process with flow. To report a claim, here is a list of contact numbers in the event phones are not working:

Underwriters
RAIN AND HAIL: 800-538-8020, 700-339-8020
GREAT AMERICAN: 800-833-2241, 229-483-7400
AGRILOGIC: 1-888-AGLOGIC (245-6442)

Farm Credit of Central Florida Contact Numbers
Crop Insurance

Jennifer Parrish: 407-832-9884 (cell)
Regina Thomas: 407-721-4687 (cell)

Lakeland Office: 863-682-4117
Jeff Phillips: 813-355-6972 (cell)
Chris Witmer: 863-559-0315 (cell)
Brock Overbaugh: 863-514-5162 (cell)
Jason Williams: 863-838-8110 (cell)

 Apopka Office: 407-880-7883
David McDonald: 352-267-9658 (cell)
Erin Vermillion: 386-804-1163 (cell)

Brooksville Office: 352-544-5553
Thomas Dalton: 813-431-1976 (cell)

Plant City Office
Joseph Sweat: 813-477-7547 (cell)

Farm Credit of Central Florida is a member-owned cooperative serving 13 Central Florida counties, including, Polk, Hillsborough, Pinellas, Citrus, Hernando, Pasco, Sumter, Lake, Seminole, Orange, Osceola, Volusia and Brevard. Part of the nationwide Farm Credit System established in 1916, Farm Credit of Central Florida provides loans, leases and crop insurance to farmers, ranchers, growers and rural homeowners.

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