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:

• Basic crop terminology and crop insurance forms and how they affect settlement

• Understanding which liability exposures affect crops

  • Livestock Escape, Vehicle, Chemical Drift, Chemical Misapplication, Fire, etc

• Identifying and locating farms

  • How to locate a section, township and range

• Conducting the liability investigation

• Assessing and quantifying the damage to the crops

• Identifying the difference between chemical damage and damage from insects, disease, etc.

• Measurement and Appraisal Methods

• Settlement Method Considerations (Type and Size of Loss, when to Settle)

• Factors effecting Crop Quality (Moisture, Damage, Contamination, etc)

• Factors effecting Settlement (Planting costs, Harvesting Costs, Fertilizer Costs, etc.)

• APH Reduction Claim

• GMO vs. NON-GMO vs Organic (Understanding the effects of settlements for each)

• Identification and request of the proper documents from the claimant and insured

• Identification and quantification of non-incurred costs

 

 

Course Objectives

This is a self-study online course that will provide the following abilities

• Understanding crop policy coverages and their effect on the claims investigation.

• Identifying liability of the parties and assigning negligence as either whole, comparative or contributory

• Identify and locate the damaged field and the point of origin using a legal description (Section, Range and Township, Land Grants, etc.)

• Understanding techniques and methods used to quantify damage to various crops

• Identify and calculate factors that effect settlement (Crop quality and non-incurred costs)

• Understanding and calculating future potential losses (Replanting, APH loss, etc.)

• Recognition of required documents and records in order to assist in the determination of liability and damage assessment.

• 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.