Crop Insurance Arbitration and Litigation Lawyers
Agriculture crop insurance is a vital asset to our country’s farmers. If your crops are dependant on the weather, the assurance that your family, farm and livelihood are protected with an agriculture insurance policy is a necessity. But all too often crop insurance claims are denied because agricultural insurance companies desire to get to get out of paying.
If your farm was denied a crop insurance claim, you may have a case against your agricultural insurance company. We work with clients to help them hold agricultural insurance companies accountable when crop revenue insurance is denied. If your crop insurance adjuster has told you that your crop claim has been denied, don’t hesitate to call us to see how we may be able to help your farm survive.
What is Crop Insurance and What does Crop Insurance Cover?
Crop insurance is purchased by farmers, agriculture producers, ranchers and others who rely on the weather for revenues or to protect themselves against loss of crops due to natural disasters. In other words, ag producers rely on crop insurance if something goes wrong with their crop production.
There are two main types of crop insurance: multi-peril and crop-hail insurance.
Multi-peril crop insurance is the most common type of crop insurance and covers drought, excessive moisture, freeze, and disease. MPCI policies can also include low yield protection and changes in market price.
- Excessive Moisture
- Lost Revenues
- Low Yields
- Changes in Market Price
Part of a private-public partnership, there are only a handful of companies that sell multi-peril ag insurance policies for crops. MPCI is subsidized in part by the federal government to pay part of premiums on behalf of farmers as well as operating and administrative costs to agriculture insurance companies. This keeps the crop insurance cost low for farmers—and is the backbone of our country. The MPCI policy companies in 2017 were:
- ACE American Insurance Company – Rain and Hail L.L.C.
- Agrinational Insurance Company, Inc. – ADM Crop Risk Services
- American Agri-Business Insurance Company – ARMtech Insurance Services, Inc.
- American Agricultural Insurance Company – American Farm Bureau Insurance Services, Inc.
- Aspen American Insurance Company – Agrilogic Insurance Services, LLC
- CGB Insurance Company – CGB Diversified Services
- Country Mutual Insurance Company
- Farmers Mutual Hail Insurance Company of Iowa
- Great American Insurance Company
- Hudson Insurance Company
- NAU Country Insurance Company
- Producers Agriculture Insurance Company – Pro Ag Management, Inc.
- Rural Community Insurance Company – Rural Community Insurance Services
- Technology Insurance Company, Inc. – AmTrust Agriculture Insurance Services
- Westport Insurance Corporation – International Ag Insurance Solutions LLC
- XL Reinsurance America, Inc. – Global Ag Insurance Services, LLC
Crop-hail insurance is a private insurance product purchased by farmers in areas affected by hail because it is typically not covered by a MPCI policy. Farmers can purchase separate hail insurance for crops from private insurers to cover damage from hail storms.
Our Agricultural Law Firm
Emerson Scott, LLP has extensive experience fighting for farmer rights, including a class action involving Syngenta’s patented, genetically modified “MIR162” corn sold as Agrisure Viptera. We’ve also helped over 10,000 rice farmers with a $750 million settlement on behalf of all U.S. long-grain rice growers for contaminated strains of rice. We’re ready to fight for farmer rights in cases of denied crop insurance claims.
We know our role as agricultural lawyers is to ensure the voice of farmers and their families are heard and our mission is to fight to uphold rights that keep our country thriving. Our agricultural legal team knows the ins and outs of what it takes from experience. We’re also recognized as leaders in the legal industry from various legal communities.
Agricultural Attorneys Fighting for Farmer Rights
Why might a crop claim be denied?
Insurance companies are notorious for doing whatever it takes to not have to pay out. Ag insurance companies are no different. Much of crop insurance policies is up to debate—and that’s how insurance companies will try to deny your claim.
- Bad Farming Practices – Intended to prevent bad farmers from cashing in, insurance companies use this to deny good farmers who suffered catastrophic losses from insurance payments. Fighting a bad farming practices denial can get tricky quickly, especially when the RMA gets involved with their own experts.
- Prevented Planting – Bad farmers try to abuse prevented planting claims so insurance companies are often quick to deny these claims, even when they’re justified.
What happens after a crop claim is denied?
After a crop claim is denied, there are certain steps a farm can take to challenge the denial. The process of challenging a claim is very involved, especially for MCPI policies. Regulated by the USDA’s Risk Management Agency, the process to challenge a claim is called arbitration and can take months. Speaking with an experienced attorney may be able to help you better navigate the process and more successfully challenge your denied claim. It is important to contact an attorney immediately after receiving a denied claim as there are short windows for challenging a denied crop claim.
Was Your Crop Claim Denied?
If your crop claim was denied, whether it was a MCPI claim or Crop-Hail claim, we would like to speak with you. We believe that protecting American farmers from denied crop claims is essential for the health of our country. American farms are the backbone of our economy. Without security from crop insurance plans, our country and economy is at risk.
If you believe that you were wrongly denied a crop claim, contact the agricultural lawyers at Emerson Scott today to speak with one of our experienced attorneys. Don’t let agricultural insurance companies and ag underwriters take advantage of their position. Call us now!