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Are You Eligible to Collect Crop Insurance if You Do Not Harvest Your Crop?

In the wake of hurricane Michael many growers are faced with major cleanup tasks in their orchards. With nuts covering the ground as well, the type of cleanup required makes harvesting the nuts questionable in many orchards from Albany Southwest to Bainbridge and in other scattered orchards along the storms path. In our meeting with RMA officials last week, we were told that if the damage to these orchards is so severe that cleanup would destroy most of the nuts and the ground would be so damaged that you would not be able to harvest mechanically with your normal harvest equipment, you should be eligible to zero these orchards out (not harvest) and still be eligible for a crop insurance claim. However, ultimately, that decision lies with the adjuster. In extreme cases like we have here, often insurance companies will call in multiple adjusters on the same claim to make sure the crop is not harvestable.

The above scenario is only justifiable if you have so many trees and such a heavy degree of large debris down that harvest will be un-manageable after the equipment is through. If you can move most of your debris by hand or only have a few trees down which may require saws and relatively small equipment like small tractors with front end loaders mounted and you can sweep a path through most of the orchard to get a limb wagon through, without tearing up the orchard floor, you can harvest most or a portion of the crop in most cases. If your orchard will require large equipment (large tractors, grapples, excavators, large loaders, bulldozers, etc.) to move multiple large trees fallen across the row middles to even be able to get down the rows, there is a strong likelihood you would not be able to harvest the crop.


Aerial View of Severely Damaged Orchard near Albany, GA. (Click photo to zoom in for better view)

In a few weeks we will likely have another issue of loss in these orchards that begins to take effect. The cleanup effort in many of these orchards will take weeks to months. The longer these nuts remain on the ground and the more they are rained on and exposed to varying temperatures, the faster we will see quality loss and rot. This will take much of the crop that remains on the ground in the weeks to come. However, these two issues— inability to harvest and loss of value of the crop—are separate issues and must be addressed separately when dealing with your crop insurance. Therefore, be clear about your orchard’s condition and the type of loss you have when handling any insurance claims.

Contact your insurance company and get an adjuster out to look at your orchard as soon as possible if you expect to have an insurance claim—especially if you do not think you will be able to harvest your crop as a result of the storm damage.


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Lenny Wells

About Lenny Wells

I am a Professor of Horticulture and Extension Horticulture Specialist for pecans at the University of Georgia. My research and extension programs focus on practical cultural management strategies that help to enhance the economic and environmental sustainability of pecan production in Georgia.