Skip Ribbon Commands Skip to main content
Navigate Up
 Quick Links / News

People talking in a wheat field.

What's New

Speed and Accuracy Key in Handling High Volume of Claims

The 2019 growing season was extremely busy for the crop insurance industry in many parts of the U.S.

According to the USDA, farmers were prevented from planting more than 19.59 billion acres, by far the highest number since 2007, when the USDA began releasing this data.

Hardest hit by the rainfall and widespread flooding were the Midwestern states where much of the nation’s corn, soybeans and wheat are grown.

The RCIS response

RCIS received a high volume of prevented planting claims—in the tens of thousands.

“We pulled out all the stops to respond to all claims as quickly as possible,” says Chuck Eldredge, RCIS Vice President, National Claims Manager.

RCIS was processing as many as 1,000 claims per day as farmers found they could not get into fields for planting.

VTF Crop Insurance based in Celina, Ohio, saw more prevented planting claims this year than ever before. The agency works with RCIS as its sole USDA-approved crop insurance company.

Matt VanTilburg of VTF says, “The claims were handled very, very well. We could log into the agent portal and literally see how quickly RCIS got ahold of our policyholders.” 

Excellent agent and producer support

It’s important to Matt that his clients receive excellent service throughout the crop insurance experience. He’s very pleased with the responsiveness of RCIS with the high claims volume this year.

“It's quite amazing when you see the number of claims that they had to work through and how they brought in outside adjusters from the RCIS network to help on the claims, too,” Matt says.

He also appreciated the support RCIS provided for his clients during the spring and summer, when the weather was throwing curve balls and some producers were both upset and confused.

“Their support this year, answering questions, was helpful,” Matt says. “A lot of guys wanted to know about prevented planting coverage. There were questions about that, and there were a lot of moving targets with RMA (the USDA’s Risk Management Agency) changing the rules.”

“The RCIS staff did a good job of communicating with me,” he says. “And that came in real handy communicating with our producers.”

Looking ahead

The disastrous 2019 growing season came on the heels of a Farm Bill signed just in the nick of time.

“I don’t think we’ve ever seen a better example of the importance of the U.S. crop insurance system than the 2019 season,” Mike says.


Drones Showcased at RCIS Agent Field Day

The RCIS Claims division launched a pilot in June to assess the potential usages of drones in crop adjusting.

Since the program began, RCIS adjuster pilots have tested drone capabilities for use in pre-acceptance and prevented planting inspections. The pilots have also increased their comfort levels in drone operations in terms of both flight and imaging capabilities.

RCIS is committed to exploring new technologies, such as drones, to assess their capabilities and better align ourselves with the potential usages that the future might hold.

Field day demonstrations

RCIS Claims' Northeast District recently showcased its drone capabilities during a field day for more than 40 agents, field service representatives and managers at the Illinois farm of Claims Manager Lyle.

"Lyle put together plots that simulated hail damage to both corn and soybeans, along with wind damage to corn," said RCIS business manager and AVP Ed. "These plots have been a valuable tool to show the agents how our hail and wind products work and what each type of policy covers."

The highlight of this year's event was a demonstration of how RCIS is testing the drones to determine where crop damage is located and how many acres are affected.

"We’re exploring the ways we can potentially serve our customers using drones around issues such as loss determination," Ed said.

Ed, Lyle, Quality Assurance Analyst Pat, Regional Claims Specialist Jim and Field Claims Specialist William all served as instructors for the demonstration.

A second field day was held a day later for RCIS field adjusters with the same instructors and plots that included a demonstration of how drones could potentially be used to document wind losses and silage this fall.

Featured below are photos taken by Crop Field Adjuster and licensed drone pilot Nick during the agent field day.

Aerial view of people in a field  Aerial view of planted corn rows.  Aerial view of corn field bordered by a road.  Aerial view of several plots of corn.  Aerial view of farmstead and fields from a high altitude.


RCIS Precision Farming Capabilities Expanded

Precision farming has transformed the way farmers work. And the expanded RCIS precision farming capabilities are transforming the way crop insurance agents and policyholders report, calculate and communicate. 

Previously, a farmer would bring a thumb drive containing planting data to the crop insurance agent. The crop insurance agent would need to use an intermediary software system to convert the raw data into an acreage report.

The expanded precision farming system allows farmers to upload planting data directly to an RCIS portal where it’s automatically formatted for reporting.

The new system is compatible with nearly 30 precision farming platforms. In addition, it’s optimized for mobile and is integrated with the RCIS FarmMapsSM tool. 

A Win-Win Solution

“The expanded system solves some of the largest hurdles we have had in precision farming,” says RCIS National Technical Accounts Manager Billy Meade. “We’re doing a series of technology summits around the country to introduce our expanded capabilities to crop insurance agents and it’s receiving rave reviews.”

Meade calls the expanded system a game-changer. “The agents are shocked at how easy it is. It’s great to see their reactions and the excitement—sort of like a kid at Christmas opening a new toy.”

For agents, the expanded precision farming capabilities can streamline a process that consumed a great deal of time during the particularly busy part of the year. 

“What used to take hours and hours of time and lots of paperwork can now be handled with equipment that policyholders and agents, for the most part, already have in place,” Meade says. 

For farmers, directly uploading data on planting and acreage is convenient and efficient.

“Today, the policyholder can log on, open their policy, which is all of their fields and view that in a map format,” says Meade. “It’s based on the latest imagery from Google, so it’s very up-to-date.”

The mapping feature allows growers to see their planting data, together with their crop insurance coverage data, for individual fields and even specific acres.

RCIS has expanded the number of platforms the precision farming system supports from three to nearly 30, including AGCO, AgLeader, AgOtter, Agris, AgView, AIM, Borgault, Case IH, CCI, CLAAS, FarmWorks, Fendt, Hardi, John Deere, Kinze, Loup, MidTech, New Holland, Precision Planting, Raven, RDS, SatLoc, Stara, TeeJet, Topcon and Trimble.

To learn more about the new RCIS precision farming capabilities, visit with your crop insurance agent.


Precision Farming Expansion Powers up RCIS FarmMapsSM mapping system

In the crop insurance industry, RCIS FarmMaps is known as one of the leading mapping systems available to crop insurance agents and policyholders.

The recent expansion of RCIS precision farming capabilities includes optimizing RCIS FarmMaps to process and visualize additional precision farming data. The system seamlessly integrates policyholder data with RCIS FarmMaps for an excellent user experience.

“The precision farming data is GPS-based, so with that geographic component it can be layered into the software,” says Rob Turner, RCIS product manager for mapping services. “As a result, both crop insurance agents and policyholders are able to access information easily and conveniently.” 

It was modified to support the expanded precision farming capabilities offered by RCIS, including data from nearly 30 ag management platforms. 

Many benefits for agents and policyholders

The improved FarmMaps system makes data sharing much easier for farmers, who can simply upload their data directly from their field equipment, computer or mobile device.

The system also saves a great deal of time for crop insurance agents. “We’ve made the acreage processing component easier for agents,” says Turner. “They were doing a great deal of manual data entry. With the enhanced system, they save time so they’re more efficient.”

Another benefit for both agents and policyholders is the improved accuracy. “When policyholders use the GPS-based data, we see that it’s more accurate than previous types of reporting,” Turner says.

“For example, a farmer might report that he planted 63 acres in a particular field. Maybe it’s the old home place and it’s always been 63 acres. Well, when we start looking at the data being pulled in, it might turn out that there are actually 65 acres in that field or there might really be only 61 acres,” he adds. 

Data visualization improves user experience

With the expanded RCIS FarmMaps system, farmers and agents can both view planting and insurance data in a visual format.

The policyholder can log onto the system and view their fields, crops, historical information on crops and insurance information, such as premiums, guaranteed liabilities and Average Production History (APH) on maps, which can be printed as needed.

“Most people are visual, especially when it comes to land,” says Turner. “Looking at a map of his acres, a farmer can easily and intuitively understand the information he sees.”

It’s a better experience for the crop insurance agent, as well, who can access all information on the client in one place. If the policyholder wants to share additional data, such as soil sample information, it can be included in their maps.

In addition, the agent can overlay geographical weather maps, such as a hail report, or index reports to review information such as average rainfall.

Advancements over time

According to Turner, the industry’s progress in using new technologies to help streamline the crop insurance process has been remarkable.

Over the years, farmers and crop insurance agents have endured some very inefficient ways of recording, utilizing and reporting data. The tabular line-by-line paper reports listed sections, counties, crops, irrigation data, coverage and more.

The paper map-based acreage booklets were a step up, but still required farmers to record information and physically bring it to their agents. At that point the agents had to manually input the information and generate a final report, which both parties signed.

More recently, many farmers capture data on a thumb drive and bring it to their crop insurance agents. They could accept the electronic data but were required to format the raw data so that it was usable.

The new RCIS Precision Farming system allows policyholders to directly upload their raw data. Using FarmMaps, their crop insurance agent logs into the same system to review the farmer’s data. The agent and policyholder can communicate with one another through the web-based format on their computers, tablets or mobile devices.

To learn more about the RCIS FarmMaps and RCIS Precision Farming capabilities, visit with your crop insurance agent.


2019 Pro Farmer Midwest Crop Tour Summary

The 2019 Crop Tour concluded on Thursday, August 22 in Rochester, Minn.
Final projections for the U.S. corn crop were 13.358 billion bushels, with an average yield of 163.3 bu/acre, which is lower than the USDA August 1 projection of 169.5 bu/acre.
The soybean estimate was 3.497 billion bushels, based on an average yield of 46.1 bu/acre, which is also lower than the USDA project of 48.5 bu/acre.
Estimates were also lower than 2018 projection due to difficult conditions this spring. It was noted that what farmers need now to finish strong is warm weather and a late frost.

We know this growing season ha​s been challenging for many farmers,” says Mike Day, head of RCIS. 

In a year like this, we are reminded of the importance of crop insurance,” he says. “The federal crop insurance program covers losses including those due to prevented planting.”
RCIS takes great pride in our understanding of prevented planting claims complexities and in our ability to effectively and efficiently process prevented planting claims that are accurate, meet standards and are quickly paid.” 

This past spring, as it became clear what farmers were dealing with, RCIS trained adjusters across the country to handle the unique and complex characteristics that come with handling prevented planting claims.

These adjusters have taken this special prevent planting claims knowledge to the hundreds of thousands of farmers in need across the country.

It is especially important during times of high need that our policyholders have the confidence that they will be taken care of, and that they have the support of RCIS and its crop insurance agents,” says Day.

Even when there is a high volume of losses, our goal remains to make sure farmers can get claims filed as quickly as possible and to get a check in hand, so they can make plans going forward.”

For additional information, check out the Pro Farmer Midwest Crop Tour website at

    Pro Farmer Midwest Crop Tour
    Eastern Tour -- Thursday, August 22, 2019
    Scott, RCIS Field Claims Specialist 

    The Eastern tour on day four covered central Iowa, beginning in Williamsburg and concluding in Ames. 
    “We saw a lot of variability in the corn fields throughout our route even though the soil moisture was adequate to very good,” says Scott, an RCIS field claims specialist. 
    “Stands were up and down in both corn and soybeans, but were more consistent the further west we traveled. We found several fields with significant green snap damage in the middle part of the route, but for the most part we didn’t see any issues with stalk quality.”
    “We did notice tip-back on ears in some of the samples pulled, but this varied greatly from field to field,” he says. “There was some yellowing in a few of the corn fields, possibly from lack of nitrogen as some areas have had more than enough rain, but the majority had very good color,” he says.
    Again on day four, scouts saw immaturity in corn and soybeans. “The maturity of the corn crop was behind, especially in the east, but got better the further west we traveled,” Scott says. 
    “Soybean pod counts were again variable, with good stalk quality and podded. The maturity was consistent and about average throughout the route with many bean pods starting to fill.”


    Here scouts are measuring beans on day four of the Eastern tour  Scouts select ears of corn from the same row to check for uniformity.  On the Eastern tour, scouts measure ears of corn, count the rows and assess maturity level.  Quite a bit of variability was observed in corn, on both the Eastern and Western legs of the tour.

    Pro Farmer Midwest Crop Tour
    Western Tour -- Thursday, August 22, 2019
    Mat, RCIS Field Claims Specialist 

    RCIS scouts began the final leg of the Western tour just north of Spencer, Iowa, and zigzagged across southern Minnesota, making 12 stops.
    “In the western parts of the area we saw a lot of wind snap or green snap—and a lot of hail damage on both corn and soybeans,” says Mat, a field claims specialist with RCIS.
    “There were also a lot of immature crops,” he says. “The corn has a long way to go. We did not see one single ear that was dented, and they were barely to milk line staging. The soybeans, too, are really immature.”
    “At last night’s banquet, we heard that 50 or 60 days with temperatures in the 80s are needed to finish this crop,” says Mat. “Another comment that struck several of us was that the way the crops are right now are as good as they’re going to get—and that going forward we’re likely to get colder weather and see yield losses.”

    Pro Farmer Midwest Crop Tour 
    Eastern Tour – Day Three, Wednesday, August 21
    Meg, RCIS FIeld Claims Specialist 


    The Eastern Tour on day three started at Tremont, Ill., and went to Iowa City, Iowa. 

    “The theme for the day is crops are behind normal,” says Meg, RCIS field claims specialist.

    “Lots of the corn pulled in western Illinois was still at blister stage and the quality of ears varied immensely within the sample,” she says. “In Iowa, we saw more consistency in ear size and staging, but they also had shallow kernels.”

    “In both states, all our soybean samples still had blooms on them.  The height of soybeans varied from two to five feet tall,” says Meg.

    Crop Tour projections for Illinois were 11 percent lower than last year’s estimate in corn, at 171 bu/acre, and 25 percent lower in soybeans, with a pod count of 998 per 3x3 square.

    Meg, an RCIS Field Claims Specialist onthe Crop Tour, shows a soybean plant sample  Scounts on the Eastern tour measure soybeans  These corn samples on the Eastern tour show immature ears  Some of the corn scouted on day three of the Eastern tour was relatively well developed  Scouts on the Western tour found tip-back in much of the corn they surveyed.  An inch of tip-back, in the corn pulled on the Western tour, can mean significant yield losses


    Pro Farmer Midwest Crop Tour 
    Western Tour – Day Three, Wednesday, August 21
    Rick, RCIS Field Claims Specialist

    Starting in Nebraska City, Neb., the Western tour traveled to Spencer, Iowa, making numerous stops in Iowa. Rick, an RCIS Field Claims Specialist, say corn yield estimates were anywhere from 146 to 230 bu/acre in Western Iowa.

    “We need time,” Rick says. “Our crop is behind. The further north we went, the more immature the crops.”

    “Out of the 12 corn samples we took, 10 of those had at least an inch of tip-back. We figured that this translates to a 30-bushel-an-acre difference,” Rick says.

    “My big concern on the soybeans is that there were a lot of pods—even at the bottom of the plant—that normally should be filling out, but were still flat. Also in three or four soybean samples there were moderate infestations of aphids.”

    “I’m from the area around Spencer, Iowa. We need time to finish the crop,” he says. “I would estimate that we need to get to the 15th of October without a killing frost.”

    Pro Farmer Midwest Crop Tour
    Eastern Tour – Day Two, Tuesday, August 20
    Chad, RCIS Field Claims Specialist

    On the second day of the Eastern tour, scouts saw high variability across states, counties and even fields as they traveled from Noblesville, Ind., to Tremont, Ill. Overall, crops were generally immature.

    “The plant population was down from past year’s,” Chad says. “Some corn was barely in the blister stage. We found only one field where corn was dented.”

    “As far as soybeans, we found some that were just starting to flower, others that were starting to fill the pods and everything in between,” he says.

    Indiana corn was estimated at 161 bu/acre and soybeans at 925 pods per 3x3 square. Last year’s estimates were 182 bu/acre for corn and 1,312 pods per square in soybeans.

    Katie, an RCIS Field Claims Specialist, pulls ears in a field on the Eastern leg of the 2019 Crop Tour.  Scouts compare measurements of ears taken from the same row to look for uniformity and variability.  RCIS Field Claims Specialist Katie counts kernels on an ear of corn.  In Indiana and Illinois, much of the corn measured was behind schedule.  Crop Tour Scout Chad, an RCIS field Claims Specialist, measures an ear of corn.  Data gathered includes plant population, row width, ear length and kernels around the ear  Chad, an RCIS FIeld Claims Specialist, checks soybeans on the Eastern tour.  Scouts measure plant populations, row width, average number of pods and note maturity levels.  Crop Tour Scout Rick, an RCIS Field Claims Specialist, snapped this photo of 200+ bushel corn in Polk County, Nebraska.

    Pro Farmer Midwest Crop Tour
    Western Tour -- Tuesday, August 20, 2019
    Rick, RCIS Field Claims Specialist

    The Western tour on day two made 10 stops, beginning in Grand Island, Neb., and ending in Nebraska City, Neb.

    “Most of the corn was where it should be, but the soybeans were a little bit behind yet,” Rick says. “The pod counts were good but the maturity wasn’t where it’s supposed to be.” He says farmers were able to get in their fields early, when they typically plant corn, but soybean planting was delayed due to excessive moisture.

    Projected yield estimates for Nebraska corn came in at 173 bu/acre, which is slightly less than last year’s estimates but in an unusual turn of events, actually higher than Indiana estimates. Soybean counts were just behind last year’s estimates, at 1,299 pods per 3x3 square.

    the milk stage and a couple in the dough stage. We had only one that was fully dented.”


    Pro Farmer Midwest Crop Tour
    Eastern Tour – Day One, Monday, August 19
    Josh, RCIS Field Claims Specialist 


    The Eastern Tour began just outside Columbus, Ohio, traveling through six counties and stopping in Noblesville, Ind., near Indianapolis.


    “I’ve been on the Crop Tour seven years now, and the main takeaway I have is the crop is really immature,” he says. “It was planted late and because of that, it’s really hard to put a projected yield number on it. There are so many weather conditions that could affect the crop from here on out.”


    “We really need another month of summer. Both the soybeans and corn need another three to four weeks of warm, sunny weather,” Josh says. His team also observed cracked and dry soils at the beginning of the route; in those areas they saw some tip back in corn.


    “The yields will most likely be less than last year, based on the plant dates and the growing conditions,” he says.


    Pro Farmer Midwest Crop Tour 

    Western TourDay One, Monday, August 19

    Ed, RCIS Field Claims Specialist 


    The Western Tour began just south of Vermillion, S.D., winding through Nebraska and making 13 stops until reaching Grand Island. 


    “It’s not going to be a bin buster for corn or soybeans,” says Ed, an RCIS Field Claims Specialist. “In general, both corn and soybeans are way behind—we need five to six more weeks of warm weather.”


    In terms of corn yield projections based on crop tour findings, Ed says, “Out of 13 counts, only six of them are estimated at over 200 bushels. Our lowest was 154 and the highest was 227, although about two-thirds were dryland corn. These estimates are lower than usual.” 


    “Plant health is good,” he says. “But again, the crops are behind. In corn, the ears are most generally filled out to the tip, with most at 16 rows around, and a fair amount of 14s. Generally at this time of year, we should see 18 to 20 rows around. Most of it is in the milk stage and a couple in the dough stage. We had only one that was fully dented.”


    To All Involved In Agriculture: Thank You


    By: Christy Seyfert, Assistant Vice President, RCIS Government Relations


    Our fifth grade daughter recently asked me to review a homework project, which was vastly different than the homework I grew up doing. This project required her to develop a quiz online that participants could take by mobile device. After reviewing the project, she asked me to develop one about any topic of my choosing. I chose agriculture.


    One of the questions I crafted: in addition to farming and ranching, what jobs are available to those who pursue a career in agriculture? Journalist, lender, economist, food scientist…of course, the answers could not be squeezed into the four available multiple choice slots.


    There are many hardworking men and women involved in agriculture each day. These include our farmers and ranchers who provide food, feed, fuel, and fiber to a growing world population. Their investments are great, and so are their risks.


    There are many others whose important contributions occur in less obvious ways. In crop insurance, those who patiently guide agricultural producers with risk management planning, those who provide service in times of need to aid with timely claims indemnities, and many, many more behind the scenes.


    In my next question, I asked: from what does milk originate – the grocery store, the delivery truck, cows?


    And while milk most certainly comes from cows and is made available thanks to the tireless efforts of dairy producers, the transportation system, agribusinesses, and retailers are all also necessary to the end result of getting milk safely to consumers.


    Agriculture benefits from those who invest time and resources into the agricultural infrastructure, research and innovation, food safety, product development, crop and livestock protection, as well as market promotion.


    In a final question, I asked what “USDA” represents. The scope of USDA – from production agriculture to school lunch – is quite impressive, truly a farm to table government organization. USDA is able to serve many across the food chain and beyond, because of the willingness of many to serve in those roles.


    To each of these and many more, we applaud you on this National Agriculture Day. Thank you for your contributions to agriculture.





    RCIS Goes Above and Beyond with National Emergency Claims Adjusters




    When farmers face damaging weather events, RCIS is committed to a quick response. 




    Because weather events often affect an entire geographic area—versus a single property—numerous RCIS clients can be impacted at one time.




    As a result, local claims adjusters can become very busy. And in order to ensure all clients receive outstanding claims adjusting services, RCIS calls in reinforcements.




    George Underwood, RCIS assistant vice president, manages the national catastrophic (CAT) claims adjusting teams that help support local claims staff across the country.




    “Our CAT teams go anywhere they’re needed, nationwide,” Underwood says. “They’re deployed immediately, at the request of the local manager, and stay as long as necessary.”




    Underwood explains that his group defines a catastrophic event as any event that results in a workload that significantly exceeds what is considered normal for the local claims team.




    “We’ve been jokingly compared to Special Forces or Navy Seals,” says Underwood. “Whenever the local managers have a job that needs to get done—no matter what type of crop or claim situation it is—our CAT teams are prepared to handle it. We send them in and they get the job done, pull out and move on to the next job.”




    Catastrophic events during 2018


    According to Underwood, 2018 was a lighter year than normal for his teams.




    Some of the events are well known, such as the hurricanes on the eastern seaboard. Others might be storms that affected a specific area but didn’t make national news.




    “Typically Nebraska is a hotbed for catastrophic events,” Underwood says. “We had ongoing hail events in Nebraska and western Iowa last year.”




    “Other parts of the upper Midwest were busy, as well,” he says. “Tornadoes hit northeast Nebraska, northwest Iowa and southwest Minnesota, and we sent in numerous adjusters.”




    The CAT teams also help out when a local area needs more staff seasonally.




    “For example, with the fruit crops in Michigan, the local staff is very busy during a period of six to eight weeks of the year,” Underwood says. “We don’t need 15 extra adjusters in Michigan year round. We just need them there for the month of September and the first few weeks of October, so it’s common for us to send a CAT team there.”




    Underwood says, “Nationally for 2018, we had 43 CAT events, which took 115 adjusters. Our CAT team adjusters put in 8,050 man hours dedicated solely to CAT events.”




    CAT team adjusters appreciated


    Several CAT team events were particularly memorable during 2018.




    “A tornado hit southwest Minnesota, and it was one of the more significant events that had happened in many years in that area,” Underwood says. “We sent three CAT team adjusters into southwest Minnesota, and as far as the praise that we got back from our agents and our customers for the way we handled that, it was probably one of the most rewarding CAT team experiences.




    “Our adjusters went in, got the claims under control, and when they left, we started getting emails from the agents thanking us for our excellent service. They appreciated the professionalism of the CAT team adjusters.”




    Underwood continues, “One agent said that while he recognized it might not have been a significant event nationally, it was significant to the farmers affected. It became clear real fast that the CAT adjusters were there to deliver on the promises RCIS makes as a company.”




    Rising to every occasion


    Another example of CAT team staff going above and beyond also occurred in southwest Minnesota.




    “The CAT adjuster lives in New York, but he’s always ready to go whenever we need him,” says Underwood. “He was wrapping up some claims at the end of 2018 in southwest Minnesota.”




    “It was the week before Christmas and he was getting in his truck to head back to New York for Christmas. I called and said, ‘I know you’ve been on the road and I apologize, but we’ve got a sticky situation down in Missouri and we need to get some claims cleaned up before Christmas.’”




    This adjuster had scheduled vacation for the week before and during Christmas, but without hesitation he drove down to Missouri.




    “I think he ended up making it home a couple of days before Christmas,” says Underwood. “Even though he had planned time off for the week, due to his commitment to the CAT teams and the need to serve our clients, he put his personal plans aside and went to take care of claims in northern Missouri.”




    Putting clients’ needs first


    Underwood shares another anecdote from 2018. “One of our CAT team adjusters in the eastern U.S. was very busy dealing with a significant number of claims resulting from a drought situation,” he says.




    “It was then that Hurricane Michael arrived, and our adjuster was directly in its path.”




    “It’s another good example of the dedication of our CAT team,” Underwood says. “Instead of staying at home and working on his own property, our adjuster went right out to service our clients and make sure that they were taken care of following the hurricane damage.”




    Underwood is proud of his team and with good reason. “The CAT team adjusters have this mindset that what comes first is our customers and servicing the claims that are assigned to them,” he says. “They get it done and they put that ahead of their own needs.”




    To learn more about becoming an RCIS customer or crop insurance agent, please visit




    Choosing Added Revenue Price Option Coverage Pays Off




    Not enough moisture? Too much moisture? Hail damage? Rock-bottom commodity prices?





    el Lutz has seen it all on his farm, located in east central Illinois. He’s relied on crop insurance for most of his farming career.




    “We used to have a lot of dry weather. When my soil gets dry, it cracks open and doesn’t do well,” he says.




    “The last couple of years we’ve been hit with excessive moisture,” Lutz says. “I have ponds. This year I had ponds fill up and then dry out and fill up again at least eight times.”




    Risk management plans laid


    Crop insurance agent Doug Hansens with Lawrence Crop Insurance in Fisher, Ill., works with Lutz on his yearly risk management plan.




    “We discussed some of the additional product coverages available, such as Added Revenue Price Option, which can supplement the payment from multi-peril crop insurance,” Hansens says.




    “Some of our customers are interested in products because they are more or less risk averse or because they might want a little more protection.”





    del is in an area where if he gets too much rain, it hurts him. He had some extremes this year—it was dry and then got wet, and he had some drowned-out spots,” Hansens says.




    Impact of price drops


    Falling commodity prices also affected the risk management planning process.




    “We talked about two different products,” Hansens says. “One was the added price option, which is just straight yield protection. The other was the revenue price option.”




    “The price for soybeans was set in February of 2018. We felt there was a higher likelihood of a price drop than a price increase, so the Added Revenue Price Option was good protection for soybeans.”




    Valuable protection


    Lutz chose the Added Revenue Price Option and is glad he did.




    “As a small farmer, I need all the revenue I can get, and I’m interested in additional coverage, especially if it’s from a major insurer like RCIS,” he says.




    In addition to excessive moisture affecting yields, Lutz got his crops in late this year.




    “But a lot of people didn’t do as well as I did,” he says. “In fact, a lot of people still had crops out in the field in December.”




    Lutz submitted his claim and received a check promptly.




    “I’m hoping things get better,” he says. “In the meantime, anything that can bolster the value of the crop I harvest is very important to me.”




    To learn more about additional product coverages, contact your crop insurance agent or visit today.




    RCIC is an equal opportunity provider. Some products not available in all states or counties. This is intended as a general description of certain types of insurance and services available to qualified customers provided solely for informational purposes. Coverage is underwritten in all states by Rural Community Insurance Company, Anoka, MN except in Montana where hail coverage is underwritten by Tri-County Farmers Mutual Insurance Company, Malta, MT. Nothing herein should be construed as a solicitation, offer, advice, recommendation, or any other service with regard to any type of insurance product or services. Your policy is the contract that specifically and fully describes your coverage, terms and conditions. The description of the policy provisions gives a broad overview of coverages and does not revise or amend the policy. Coverage may vary by state. Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states. RCIS is a registered trademark of Rural Community Insurance Company. © 2019 Rural Community Insurance Company. All rights reserved.

    There when you need us most 
    Revenue Protection Options

    * You need Adobe® Reader® software to read PDF files. Download Adobe Reader for free!


    Careers  |
    Terms of Use  |  Privacy Policy  |  Do Not Sell My Personal Information  |  Non-discrimination Statement

    © Rural Community Insurance Company. All Rights Reserved.