§1508a Double Insurance and Prevented Planting

Summary

If a farmer’s insured first crop is damaged or can’t be planted, the farmer must choose whether to plant a second crop on the same land. That choice decides how much the farmer gets paid and what premium they must pay. First crop: the first thing planted on the acreage that year. Second crop: another crop planted later on the same acreage that year (not a replanted crop). Replanted crop: the same crop put back because the insurance policy requires it. If the first crop has an insurable loss, the farmer can either not plant a second crop and get 100 percent of the loss payment, or plant a second crop and get up to 35 percent of the loss. If the farmer planted a second crop and it is not damaged, they may later collect the rest up to 100 percent, but premiums will be adjusted so the farmer pays the correct amount. The same two choices apply when the first crop is prevented from being planted, with payments based on the prevented-planting guarantee. If the farmer chooses to plant a second crop after prevented planting, the program will record a yield of 60 percent of usual history for that year, and prevented-planting payments only apply when neighbors are also affected. Full payments on multiple crops in one year are allowed only where double cropping is common, extra coverage is offered, and the farmer or land shows a history of it. If the situation is not qualifying double cropping, planting a crop after the second crop makes that later crop ineligible for insurance or noninsured crop assistance.