The Simplified Claims process allows an insured to self-certify their loss if it meets strict criteria. Simplified Claims make use of an insured’s documented production to help them skip the adjustment appointment and receive claim payments sooner.
Eligibility & Criteria
Eligible Crops
Barley
Buckwheat
Canola
Corn
Cotton
Dry Peas
Dry Beans
Flax
Grain Sorghum
Oats
Peanuts
Popcorn
Rapeseed
Rice
Rye
Soybeans
Sugarbeets
Sunflowers
Sweetcorn
Wheat
Claims involving the following are NOT eligible:
- Farm-stored production, even if weighed and returned to farm.
- Claims, with only Prevented Planting, and Prevented Planting claims that have not been finalized prior to the submission of the SCP claim for the planted portion of the unit.
- Corrected claims.
- Claims with delayed notices or delayed claims.
- Claims requiring a revised acreage report unless it is a downward revision in liability, that results from third-party verified documentation agreed to, and supplied by the insured.
- FMH employees, loss adjusters, agents, or FCIC/RMA employees or any spouse or family member residing in the same household as any such person.
- Zero production is reported.
- Production fed to livestock.
- Claims for crops other than cotton involving Quality Adjustment if:
- One of the qualifying quality deficiencies is due to a substance or condition injurious to human or animal health, e.g., Aflatoxin.
- There are no pre-established Discount Factors (to determine Quality Adjustment Factors) contained in the Actuarial Documents for the level or type of damage.
Submission & Mailing Requirements
Submission Process
- Complete and sign the "Simplified Claims Process (SCP) Qualification and Notice of Loss" form.
- FSA 578’s or CIMS documents or copies of aerial photos identifying each field, crop planted in each field, and number of acres in each field.
- Settlement and/or summary sheet with all loads clearly marked as to which unit they came from.
- Upload the completed and signed SCP form, FSA 578 and production records in FMHA under the ‘Claims’ tab for the policy by selecting ‘Simplified Claim Paperwork’.
NOTE: Documents must be uploaded in FMHA prior to submitting a notice of loss in FMHA for an SCP - Submit a Notice of Loss on the policy in FMHA using the claim type ‘Simplified Claim’.
Other Submission Options
- Mail to 6785 Westown Parkway, West Des Moines, IA 50266 with "MPCI Simplified Claim" notation on the envelope, or;
- E-mail MPCIClaims@fmh.com or;
- Fax documents to 515-282-1220
NOTE: Claims reported using SCP for which submission requirements are not met cannot be accepted as a SCP and will be assigned to an adjuster. The SCP form must be submitted within the time frame specified in the Crop Provisions or timeframe specified in the quality provisions section of the Special Provisions, if applicable.
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