Claims Support
When crop loss happens, we're here to guide you through the claims process every step of the way.
Need to File a Claim?
Call us as soon as possible. Early reporting helps ensure a smooth claims process.
(406) 292-3325How the Claims Process Works
We make the claims process as straightforward as possible, walking you through each step and handling the paperwork.
Report the Loss
Contact us immediately when you discover damage or loss. We'll start your claim right away.
Document the Damage
Take photos and preserve evidence. We'll tell you exactly what documentation is needed.
Adjuster Visit
An adjuster will inspect your fields. We coordinate this visit and can be there with you.
Claim Settlement
We review the adjuster's findings with you and help ensure fair settlement.
What to Have Ready When You Call
Policy Information
Your policy number and which fields are affected. We'll pull up your policy details and walk through your coverage.
Loss Details
What happened, when it occurred, and which crops or fields were damaged. Basic information is fine to start.
Initial Documentation
Photos of damage if you have them. Don't worry if you haven't taken any yet - we'll guide you on what to document.
Time-Sensitive Deadlines
Most crop insurance policies require you to report losses within 72 hours of discovery or within a reasonable time. The sooner you call, the better. We'll help you meet all notification requirements.
Documentation Best Practices
What to Document
- Take clear photos: Capture overall field conditions and close-ups of damage
- Note the date and time: When did the damage occur? When did you first notice it?
- Preserve evidence: Don't destroy damaged crops until after the adjuster visit
- Keep records: Save any weather reports or other documentation of the loss event
- Track your production: Keep harvest records, truck tickets, and bin measurements
We're Here to Help
Claims can feel overwhelming, especially when you're dealing with crop loss. You don't have to navigate this alone.
Common Types of Claims
Hail Damage
Report hail damage within 72 hours. Document with photos and preserve damaged plants for inspection.
Drought Loss
Monitor your crop closely during dry conditions. Report when it's clear yields will be significantly affected.
Excess Moisture
Too much rain or flooding can trigger claims. Document standing water and areas where planting is prevented.
Prevented Planting
If you can't plant by the final planting date, you may have coverage. Call us before that deadline approaches.
Disease or Insects
Report disease or pest damage as soon as it's identified. Take photos showing the extent and type of damage.
Wind or Frost
Document wind lodging or frost damage with photos. Note weather conditions and timing of the event.
Questions About Filing a Claim?
Don't hesitate to reach out. It's always better to call early and ask questions than to miss important deadlines or documentation requirements.