Course 2: Intro to Crop Liability Claims - 8 hours
Course Description
This course will provide a basic understanding of how to handle a crop liability claim from start to finish.
This course will cover the following chapters:
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Basic crop terminology and crop insurance forms and how they affect settlement
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Understanding which liability exposures affect crops
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Livestock Escape, Vehicle, Chemical Drift, Chemical Misapplication, Fire, etc
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Identifying and locating farms
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How to locate a section, township and range
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Conducting the liability investigation
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Assessing and quantifying the damage to the crops
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Identifying the difference between chemical damage and damage from insects, disease, etc.
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Measurement and Appraisal Methods
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Settlement Method Considerations (Type and Size of Loss, when to Settle)
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Factors effecting Crop Quality (Moisture, Damage, Contamination, etc)
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Factors effecting Settlement (Planting costs, Harvesting Costs, Fertilizer Costs, etc.)
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APH Reduction Claim
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GMO vs. NON-GMO vs Organic (Understanding the effects of settlements for each)
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Identification and request of the proper documents from the claimant and insured
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Identification and quantification of non-incurred costs
Course Objectives
This is a self-study online course that will provide the following abilities
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Understanding crop policy coverages and their effect on the claims investigation.
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Identifying liability of the parties and assigning negligence as either whole, comparative or contributory
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Identify and locate the damaged field and the point of origin using a legal description (Section, Range and Township, Land Grants, etc.)
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Understanding techniques and methods used to quantify damage to various crops
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Identify and calculate factors that effect settlement (Crop quality and non-incurred costs)
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Understanding and calculating future potential losses (Replanting, APH loss, etc.)
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Recognition of required documents and records in order to assist in the determination of liability and damage assessment.
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Ability to research and assess available resources in the private and government sector to assist with the claims process.
Prerequisites
This course requires a basic understanding of a claims investigation pertaining to liability.