Prevent Plant

What is Prevented Planting?

Prevented planting (PP) is a failure to plant the insured crop with the proper equipment by the final planting date designated in the insurance policy’s Special Provisions or during the late planting period (LPP), if applicable. Prevent planting must be due to an insurable cause of loss general to the area that also prevents others in the area from planting.

The amount of prevented planting coverage is calculated as a percent of the insurance guarantee the insured would have had for a timely planted crop. For example, suppose a producer’s insurance guarantee is $100 an acre. If the producer insures a crop with a 60% prevented planting coverage factor, the prevented planting payment would be $60 (or 60% of the guarantee). The prevented planting factor varies by crop, based on an estimate of pre-planting costs.

Final planting dates, factors and late planting periods vary by crop and by area. Producers should refer to the policy provisions or contact their crop insurance agent for more information.

What are the basic requirements to qualify for a prevented planting indemnity?

• Sufficient crop acreage and the ability to show planting would have occurred in a normal year.
• 20 acres or 20% of the unit is prevented from planting.
• Any PP acreage within a field that contains planted acreage will be considered to be acreage of the same crop, type and practice that is planted in the field unless:
  • The acreage that was prevented from being planted constitutes at least 20 acres or 20% of the total insurable acreage in the field and you produced both crops, crop types, or followed both practices in the same field in the same crop year within any one of the four most recent crop years.
  • The acreage that was prevented from being planted constitutes at least 20 acres or 20% of the total insurable acreage in the field. You must also provide proof that you intended to plant another crop, crop type or follow both practices on the acreage (including but not limited to inputs purchased, applied or available to apply, or that the acreage was part of a crop rotation).
• Acreage must be timely and accurately reported on your acreage report by the acreage reporting deadline.
• A PP Notice of Loss must also be reported within 72 hours following the end of the late planting period or the final plant date if no LPP is applicable.
• Must meet rotational requirements (if applicable).
• Must be physically available for planting. Producers will still be required to prove the land was available for planting by showing it was planted and harvested (or adjusted for an insurable cause of loss) in one of the four previous crop years.