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. Prevented planting must be due to an insurable cause of loss general to the area that also prevents others in the area from planting. Final planting dates and late planting periods vary by crop and by area. Producers should refer to the policy provisions or contact their ProAg crop insurance agent for more information.
What are the basic requirements to qualify for an 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.
- Acreage must have been planted, insured, and harvested or if not harvested, adjusted for claim purposes due to an insured cause of loss other than a cause of loss related to flood, excess moisture, drought, or other cause of loss specified in the Special Provisions in at least one of the four most recent crop years. Once acreage does not satisfy the criteria, the acreage is considered physically unavailable for planting until the acreage has met the criteria for two consecutive crop years.
Have there been any changes to the Prevented Planting rules and regulations for 2022?
At this time, there have been no issued changes to the prevented planting rules in effect for 2022. While Agriculture Secretary Tom Vilsack has stated in different media interviews that the administration is looking into options to ease prevented planting rules, at this time, no changes have been made. Any changes in rules and regulations for the 2022 crop year will be posted on this page.
Commonly Asked PP Questions for 2022
When does your coverage attach?
Producers who had an insurance policy the prior year are eligible for prevented planting payments if the insured cause of loss occurred after the sales closing date for the previous crop year, provided insurance was in force continuously since that date, and all other prevented planting requirements are met. New policyholders are eligible for prevented planting payments if the insured cause of loss occurred after the sales closing date for the current crop year, and all other prevented planting requirements are met. Premium for any prevented acreage is the same as planted acreage.
I am interested in planting a cover crop after the late planting period (for the crop I am receiving a prevented planting payment) to keep the ground covered for conservation purposes. I would also like to chop it for silage sometime in the fall. Will that affect my prevented planting payment?
You may hay, graze, or cut the cover crop for silage, haylage, or baleage and your prevented planting payment will not be affected. Corn planted on acreage following a prevented planting claim will be considered planted for harvest.
I recently acquired acreage. The previous operator is unwilling to provide their records. How do I prove that the acreage was planted, insured, and harvested in at least 1 of the last 4 crop years?
We encourage you to work with your agent in providing documentation. Approved Insurance Providers have access to data that can assist with verifying insurance history. There are other methods such as satellite imagery that may be beneficial when proving if a crop was planted and harvested.
If I intend to plant corn in Field A but am prevented from planting by the final planting date for corn and instead plant a portion of Field A to soybeans, am I able to claim the remaining unplanted acres of Field A as prevented planting corn? I do not have history of planting 2 crops in the same field during the same crop year.
The change allows you to claim prevented planting corn on the unplanted portion of a field even though part of the field is planted to soybeans. To qualify, the unplanted portion of the field must be at least 20 acres or 20 percent of the total acres in the field. You must provide proof of intent to plant the prevented planting acres to the crop claimed as prevented planting (corn) and not to the crop that was physically planted (soybeans) on a portion of the acreage. In this scenario, you may be eligible for prevented planting corn on the unplanted acres if you can provide adequate documentation that you had intended to plant the entire acreage in the field to corn (seed receipts, fertilizer inputs, etc.).
What documentation do I need to provide to my insurance company if I am prevented from planting due to drought for acres insured by a non-irrigated practice?
For non-irrigated acreage to qualify for PP due to drought, you must prove, and your insurance company must verify, that there is insufficient soil moisture for germination or progress to maturity. You must submit verifiable documentation acceptable to the insurance company of a prolonged period of dry weather general in the area. The insurance company will verify that there is insufficient soil moisture on the Final Planting Date (FPD).
Is PP available if I typically irrigate my acres?
PP is available for irrigated acreage when there is a reasonable expectation of having adequate water at the time coverage begins and there was an insurable cause of loss during the PP insurance period. You may qualify if:
- You are unable to prepare land for irrigation using an established method;
- Irrigation equipment or facilities breakdown or are destroyed due to an insurable cause of loss; or
- There is a failure of the irrigation water supply.
What is reasonable expectation of adequate water supply?
This term means if you had no reason to know or suspect at the time coverage began that the amount of irrigation water for the upcoming crop year may be limited or reduced. No reasonable expectation exists if you knew, or had reason to know, the amount of irrigation water may be reduced before coverage begins for the crop year.
Are there RMA resources available?
National Fact Sheet and Frequently Asked Questions
Any description of coverage is for informational purposes only. Actual coverage will vary based on the terms and conditions of the policy issued. Pro Ag Management, Inc. (“ProAg”) is a managing general agency representing several risk-bearing insurance companies. Insurance policies are obligations of the issuing insurance company. The information described here does not amend, or otherwise affect, the terms and conditions of any insurance policy issued through ProAg.