Farmer Jane had an MPCI policy in place when her wheat field was ruined by a hail storm. Jane promptly plowed up the wheat and planted a cover crop. Two days later she filed a claim with her insurer. The claim was denied. What might be the reason for the denial?

Farmer Jane had an MPCI policy in place when her wheat field was ruined by a hail storm. Jane promptly plowed up the wheat and planted a cover crop. Two days later she filed a claim with her insurer. The claim was denied. What might be the reason for the denial?



Answer: Jane did not leave samples of the destroyed crop for the adjuster to examine. In crop insurance, one of the insured's duties after a loss is to leave samples of the damaged crop for the adjuster to inspect. If Jane did not do this, then the insurer could deny her claim.

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