CROP INSURANCE POLICY REVIEW

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--- POLICY IDENTIFICATION & SUMMARY ---
[ ] Policyholder Name
[ ] Policy Number
[ ] Policy Effective Date
[ ] Policy Expiration Date
[ ] Insured Crop Year
[ ] Crop Insured (Corn, Soybeans, Wheat, Cotton, Other (Specify))
[ ] Other Crop (if selected)
[ ] Number of Acres Insured
[ ] Brief Summary of Coverage (as per policy)

--- COVERAGE SELECTION REVIEW ---
[ ] Guaranteed Yield (bushels/acre)
[ ] Harvested Yield (bushels/acre)
[ ] Price Election (dollars/bushel)
[ ] Coverage Level Selected (e.g., 50%, 55%, 60%) (50%, 55%, 60%, 65%, 70%, 75%, 80%)
[ ] Rationale for Coverage Level Choice
[ ] Area Risk Insurance (ARI) Option? (Yes, No)
[ ] Projected Yield (if applicable)
[ ] Date of Yield History Establishment (if applicable)

--- EXCLUSIONS AND LIMITATIONS ---
[ ] Review 'Named Peril' Exclusions (e.g., drought, excessive moisture)
[ ] Assess Exclusions Related to Farming Practices (e.g., irrigation, fertilization)
[ ] Check for Restrictions Based on Planting Dates or Varieties
[ ] Yield Guarantee Percentage - Verify Accuracy & Alignment with Historical Yields
[ ] Area Risk Insurance (ARI) - Review Covered Area Boundaries (Correct Boundaries, Incorrect Boundaries - Requires Adjustment)
[ ] Review 'Quality' Restrictions (e.g., moisture content, damage)
[ ] Review Limitations on Prevented Planting Coverage (Coverage Adequate, Coverage Insufficient, Coverage Not Applicable)

--- RECORD KEEPING REQUIREMENTS ---
[ ] Expected Yield (Bushels/Acres)
[ ] Actual Yield (Bushels/Acres)
[ ] Planting Date
[ ] Harvest Date
[ ] Description of Farming Practices (e.g., irrigation, fertilization, pest control)
[ ] Input Cost Records (Seed, Fertilizer, Chemicals, etc.)
[ ] Description of any unusual weather events or conditions affecting yield
[ ] Irrigation Method Used (Surface Irrigation, Sprinkler Irrigation, Drip Irrigation, No Irrigation)

--- LOSS ADJUSTMENT PROCESS ---
[ ] Date of Loss Occurrence
[ ] Detailed Description of Loss Event
[ ] Estimated Yield Loss (Bushels/Acres)
[ ] Photos/Videos of Loss (if available)
[ ] Method of Loss Documentation (e.g., Field Notes, Drone Imagery, Soil Samples) (Field Notes, Drone Imagery, Soil Samples, Other (Specify))
[ ] Contacted Insurance Adjuster? (Yes, No)
[ ] Notes from Adjuster Interaction (if applicable)

--- PREMIUM CALCULATION & PAYMENT ---
[ ] Reported Acres Insured
[ ] Premium Amount
[ ] Guaranteed Minimum Premium (GMP)
[ ] Yield Protection Factor
[ ] Payment Method (Check, Electronic Funds Transfer (EFT), Credit Card)
[ ] Premium Payment Due Date
[ ] Discount Applied (if any) (None, Early Payment, Good Farming Practices)
[ ] Discount Amount
[ ] Notes/Comments on Premium Calculation

--- POLICY CHANGES & AMENDMENTS ---
[ ] Date of Last Policy Amendment
[ ] Description of Amendment (if applicable)
[ ] Type of Amendment? (Coverage Level Change, Premium Adjustment, Exclusion Modification, Policy Rider Addition/Removal, Other)
[ ] Percentage Change in Coverage (if applicable)
[ ] Percentage Change in Premium (if applicable)
[ ] Explain reason for policy change (e.g., new regulations, market changes, yield history)
[ ] Upload copy of Amendment Document(s)
[ ] Is the change impacting your risk profile? (Yes, No, Unsure)

--- LEGAL AND REGULATORY COMPLIANCE ---
[ ] Check for Required Disclosures (Disclosures Provided, Disclosures Not Provided)
[ ] Policy Effective Date Verification
[ ] Compliance with Farm Bill Provisions (Verified Compliance, Compliance Review Needed)
[ ] Record of Agent Licensing & Training
[ ] Supporting Documentation (e.g., FSA Records)
[ ] Compliance with State-Specific Regulations (Reviewed State Regulations, State Regulations Not Reviewed)

--- ALTERNATIVE RISK MANAGEMENT STRATEGIES ---
[ ] Describe current diversification strategies (e.g., crop rotation, intercropping).
[ ] Percentage of farm income derived from sources *other* than primary crop(s).
[ ] Which of the following risk mitigation techniques are currently implemented? (Cover Cropping, No-Till Farming, Irrigation, Windbreaks / Shelterbelts, Precision Agriculture Techniques, Other (Specify in Long Text))
[ ] Describe any planned adjustments to risk management strategies for the upcoming season.
[ ] Is futures/options hedging currently utilized? (Yes, No, Considering)
[ ] Explain the rationale for choosing/not choosing crop insurance over other risk mitigation methods.

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