2013 CROP INSURANCE HANDBOOK (CIH)

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Transcript of 2013 CROP INSURANCE HANDBOOK (CIH)

  • United States Department of Agriculture Federal Crop Insurance Corporation

    Risk Management Agency

    Product Administration & Standards Division FCIC 18010 (06-2011) FCIC 18010-01 (08-2011) FCIC 18010-02 (06-2012) FCIC 18010-03 (02-2013)

    2013 CROP INSURANCE HANDBOOK (CIH) Underwriting and Actual Production History (APH) Standards for FCIC Programs Administered under the Common Crop Insurance Policy Basic Provisions and APH Administrative Regulations.

    http://www.rma.usda.gov/

  • THIS PAGE IS INTENTIONALLY LEFT BLANK

  • U.S. DEPARTMENT OF AGRICULTURE WASHINGTON, D.C. 20250

    FEDERAL CROP INSURANCE CORPORATION DIRECTIVE

    NUMBER: 18010-03 (02-2013) 18010-02 (06-2012) 18010-01 (08-2011) 18010 (06-2011)

    SUBJECT: AMENDMENTS TO THE FCIC 18010 CROP INSURANCE HANDBOOK (CIH) FOR THE 2013 AND SUCCEEDING CROP YEARS

    DATE: February 11, 2013 OPI: Product Administration and Standards Division APPROVED:

    /s/ Tim B. Witt

    Deputy Administrator, Product Management

    THIS HANDBOOK CONTAINS THE OFFICIAL FCIC APPROVED UNDERWRITING STANDARDS FOR POLICIES ADMINISTERED UNDER THE COMMON CROP INSURANCE POLICY BASIC PROVISIONS AND THE ACTUAL PRODUCTION HISTORY ADMINISTRATIVE REGULATION FOR 2013 AND SUCCEEDING CROP YEARS. Effective Date. Amendment 18010-03 provides procedure incorporating the 2014 Florida Citrus Crop Provisions, these procedures are in effect for 2014 and subsequent crop years. Series Replaced. The FCIC amendments dated February 2013 replaces the following issuances:

    1 Handbooks: FCIC 18010-02 (06-2012); FCIC 18010-1 (08-2011); FCIC 18010 (06-2011)

    2 Valdosta Regional Office Informational Memorandum: Procedures for Completing the Producers Pre-Acceptance Worksheet for Florida

    Citrus Fruit Crops dated February 24, 2012.

  • 2 Filing Instructions:

    FCIC 18010 Page Control Chart Remove Pages Insert Pages

    5-8 June 2011 5-8 June 2012 11-12 June 2011 11-12 June 2012 15-16 June 2011 15-16 June 2012 25-26 June 2011 25-26 June 2012 35-36 June 2011 35-36 June 2012 55-56 June 2011 55-56.2 June 2012 89-90 June 2011 89-90 June 2012

    131-138 June 2011 131-138 June 2012 231-236 June 2011 231-236 June 2012 267-268 June 2011 267-268.2 June 2012 273-274 June 2011 273-274 June 2012 279-284 June 2011 279-284 June 2012 293-296 June 2011 293-296.2 June 2012 329-334 June 2011 329-334 June 2012 347-348 June 2011 347-348.2 June 2012 391-400 June 2011 391-400 June 2012 403-404 June 2011 403-404 June 2012 407-408 June 2011 407-408 June 2012 417-418 June 2011 417-418 June 2012 423-424 June 2011 423-424 June 2012 427-436 June 2011 427-436.2 June 2012 455-456 June 2011 455-456 June 2012 545-552 June 2011 545-552 June 2012 607-608 June 2011 607-608 June 2012 683-684 June 2011 683-684 June 2012 757-760 June 2011 757-760.4 June 2012 463-496 June 2011 463-496.13 February 2013

    Handbook Distribution. Risk Management Agency Directors, Branch Chiefs, Washington, D.C., and Kansas City; Regional and Risk Compliance Field Offices; Approved Insurance Providers, National Appeals Division, National Crop Insurance Services, Crop Insurance Research Bureau; and the RMA public website at www.rma.usda.gov

    http://www.rma.usda.gov/

  • JUNE 2011 TABLE OF CONTENTS FCIC 18010

    TC- 1 -

    SECTIONS 1 GENERAL INFORMATION ............................................................................................ 1

    A APPLICABILITY. ......................................................................................................... 1

    B APPROVED INSURANCE PROVIDER (AIP) RESPONSIBILITIES. ....................................... 1

    C REGULATIONS OR PROCEDURAL CONFLICT. ............................................................... 1

    D PROCEDURAL ISSUANCE AUTHORITY. ......................................................................... 2

    E PROCEDURAL QUESTIONS ......................................................................................... 2

    F FORM STANDARDS. ................................................................................................... 3

    G CONTACT INFORMATION. ........................................................................................... 3

    2 GENERAL PROGRAM REQUIREMENTS ..................................................................... 5

    A INSURANCE AVAILABILITY. ......................................................................................... 5

    B ELIGIBLE CROPS. ...................................................................................................... 5

    C DUPLICATE POLICIES ARE NOT PERMITTED. ............................................................... 7

    D OTHER INSURANCE. .................................................................................................. 9

    E INSURED CAUSE(S) OF LOSS. .................................................................................... 9

    F USDA PROGRAM LINKAGE. ....................................................................................... 9

    G USDA PROGRAM BENEFIT LIMITATIONS. .................................................................... 9

    H ADMINISTRATIVE FEES. ............................................................................................10

    I DEADLINES THAT FALL ON WEEKENDS OR FEDERAL HOLIDAYS. ..................................12

    J COPIES OF DOCUMENTS. ..........................................................................................12

    3 APPLICATION FOR INSURANCE ................................................................................13

    A SALES CLOSING DATES (SCD). ................................................................................13

    B TERM OF POLICY......................................................................................................13

    C INSURANCE CHOICES. ..............................................................................................16

    D PREMIUM RATES. .....................................................................................................19

    E ADDED COUNTY ELECTION. ......................................................................................19

    F APPLICATION ACCEPTANCE. .....................................................................................21

    G REJECTED APPLICATIONS. ........................................................................................21

    H TRANSFER OF POLICIES TO ANOTHER AIP. ................................................................21

  • JUNE 2011 TABLE OF CONTENTS FCIC 18010

    TC- 2 -

    I PREVIOUS INSURANCE EXPERIENCE/PREMIUM ADJUSTMENT (GOOD EXPERIENCE DISCOUNT). .............................................................................................................23

    4 ENDORSEMENTS AND OPTIONS ...............................................................................25

    A CATASTROPHIC RISK PROTECTION ENDORSEMENT. ...................................................25

    B HIGH-RISK LAND EXCLUSION OPTION. .......................................................................25

    C HAIL AND FIRE EXCLUSION OPTION. ..........................................................................27

    D COVERAGE ENHANCEMENT OPTION. .........................................................................29

    E APPLE QUALITY ADJUSTMENT OPTION. .....................................................................30

    F BARLEY OR WHEAT WINTER COVERAGE ENDORSEMENT (WCE). ...............................31

    G DRY PEA WINTER COVERAGE OPTION (WCO). ..........................................................32

    H FRESH MARKET SWEET CORN MINIMUM VALUE OPTION. ............................................34

    I FRESH MARKET PEPPER MINIMUM VALUE OPTIONS. ..................................................35

    J FRESH MARKET TOMATO (DOLLAR PLAN) MINIMUM VALUE OPTION. ...........................36

    K MALTING BARLEY PRICE AND QUALITY ENDORSEMENT...............................................37

    L MINT WINTER COVERAGE OPTION (WCO). ................................................................50

    M NORTHERN POTATO POLICY ENDORSEMENTS. ..........................................................51

    N PEAR QUALITY ADJUSTMENT ENDORSEMENT. ...........................................................56

    O TABLE GRAPE PROTECTIVE COVER OPTION. .............................................................56

    5 PERSON(S): TYPES, DOCUMENTATION, AND DETERMINATION ..........................57

    A ELIGIBILITY. .............................................................................................................57

    B REPORTING REQUIREMENTS AND VERIFICATION. .......................................................59

    C PERSON STATUS CHANGES. .....................................................................................67

    D PERSON TYPE: INDIVIDUALS. ...................................................................................71

    E PERSON TYPE: LANDLORD-TENANT (SBI ONLY). .......................................................75

    F PERSON TYPE: PARTNERSHIPS. ...............................................................................76

    G PERSON TYPE: CO-OWNERSHIPS, JOINT OPERATIONS, AND JOINT VENTURES. ...........77

    H PERSON TYPE: CORPORATION. ................................................................................78

    I PERSON TYPE: LIMITED LIABILITY COMPANIES (LLC). ................................................79

    J PERSON TYPE: ESTATES. ...................