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Pre-Harvest Appraisals
All customers decide on how to use the production from insured acres; however, most crops have some potential value, which must be appraised if the crop is not going to be harvested. A pre-harvest appraisal occurs when your insured acres are put to a use other than harvesting (baling, grazing, etc.). An inspection must be completed prior to putting your insured acres to an alternate use. The appraised value of the crop is used in the calculation of any subsequent indemnities.
Low Yield Appraisal (LYA)
After a harvest-loss factor is applied, if the appraised yield falls below the established threshold level, SCIC can reduce the appraisal to zero based on information gathered by the adjuster during the inspection.
- The threshold level is meant to reflect the approximate cost of harvesting when a crop is not worth harvesting.
- This can be applied on a field basis. It does not have to be applied to the entire crop.
- LYA cannot be applied due to quality.
- LYA’s may be applied to a portion of a field.
- All eligible acres must be put to an alternate use.
| CROP | THRESHOLD LEVEL (KILOGRAMS) | THRESHOLD LEVEL (BUSHELS) |
|---|---|---|
| HRSW | 136 | 5 |
| HWSW | 136 | 5 |
| Durum | 136 | 5 |
| Barley | 152 | 7 |
| Oats | 154 | 10 |
| Flax | 102 | 4 |
| Canola | 91 | 4 |
| IP Canola | 91 | 4 |
| Fall Rye | 178 | 7 |
| Sunflower | 68 | 5 |
| ESRS Wheat | 136 | 5 |
| Khorasan / Kamut® | 136 | 5 |
| Yellow Mustard | 68 | 3 |
| Brown Mustard | 68 | 3 |
| Oriental Mustard | 68 | 3 |
| Field Peas | 136 | 5 |
| Coriander | N/A | N/A |
| Corn | 203 | 8 |
| Large Green Lentils | 82 | 3 |
| Lentils - Other | 82 | 3 |
| Red Lentils | 82 | 3 |
| Canary Seed | 68 | 3 |
| Spring Rye | 178 | 7 |
| Triticale | 178 | 7 |
| Winter Wheat | 136 | 5 |
| Fababeans | 136 | 5 |
| Dry Beans | 82 | 3 |
| CPS Wheat | 136 | 5 |
| Desi Chickpea | 82 | 3 |
| Small Kabuli Chickpea | 82 | 3 |
| Large Kabuli Chickpea | 82 | 3 |
| Soybean | 82 | 3 |
| Alfalfa Seed | 11 | 25 pounds |
| Caraway | N/A | N/A |
| Hemp | 41 | 90 pounds |
Alternate Use
Customers are asked to contact their local SCIC office before they graze, bale or silage any damaged crops to discuss their options. Crop Insurance coverage will not be negatively impacted if customers chose to divert grain crops to feed.
Livestock producers can gain access to feed sources from Crop Insurance customers who chose to put their crops to a use other than harvest. Producers are encouraged to contact their neighboring operations to set up arrangements.