Submitting a Claim

by Feb 16, 20100 comments

A Notice of Loss must be completed by the insured and forwarded to our office within 72 hours of the storm.  Notice may be emailed or faxed.  Notices by phone are not accepted.  A Notice of Loss form is included with the policy emailed from our office, however any written notice is acceptable if the form is not available.  You may also download and print a generic Notice of Loss Form.  The information we require on a Notice of Loss is as follows:

  • Insured’s Name
  • Date and time of storm
  • Fields damaged and an approximation of severity of damage (i.e. light, medium, heavy).
  • All contact phone numbers (including cell phone) where the adjuster can reach the insured.
  • Power of Attorney’s name and contact numbers if the insured may be unavailable to accompany the adjuster.

Once your Notice of Loss is accepted by our office, your claim will be assigned to an adjuster, who will then contact you to schedule the adjustment. It is our recommendation that you or your representative attend the adjustment with the adjuster. A Proof of Loss will be provided to you when the adjustment is complete. 

If you are ready to harvest or turn under the crop before the adjuster’s arrival, please refer to the following harvesting before inspection instructions.

*Please note one of the requirements of your hail policy is that a written Notice of Loss must be filed within 3 days of the storm.  If you plan on being away, you should consider appointing someone to act as your Power of Attorney in the event of a loss occurring in your absence.  The Notice of Loss form you must sign in order to do this is included with your insurance policy.  If you appoint someone to act for you as your legal representative, that person is authorized to file a Notice of Loss in your name within the required 3 day period, as well as to represent you if adjustment commences before your return.  Please also note if you have land that is a considerable distance from your home, you or your representative should plan to periodically inspect these crops as small localized storms do occur and damage must be claimed within 3 days of the storm.