Crop Hail Production Plan Overview

Crop Hail Production Plan (CHPP) is a Crop Hail insurance endorsement that is coupled with your federally-subsidized MPCI policy, and is designed to provide coverage on the portion of your crop that is left unprotected by your MPCI policy.

CHPP differs from traditional hail insurance for claim adjustment. A traditional hail policy pays based on the percent of damage a crop sustains, while the Production Plan endorsement goes a step further and takes into account the total harvested production. An adjuster will still assess the percent of damage at the time of the hail loss; however, the final hail loss calculation cannot be completed until harvest when the actual production to count is known.

How Production Plan Works

• The crop acreage insured under this endorsement must also be insured under a Yield Protection, Revenue Protection, or Revenue Protection with Harvest Price Exclusion policy with FMH or another Approved Insurance Provider (AIP).
• If MPCI is with another AIP, FMH will require the summary of coverage and current crop year acreage report.
• Offered on an MPCI unit basis for select crops at 110 –120% of insured’s APH (check with your FMH agent for crop and modified APH availability).
• Insured’s APH and MPCI levels are used to determine the total coverage and premium.
• An indemnity payment is based on the actual hail loss and the final production to count.
• Coverage terminates December 31.

Crop Production Plan Availability

Coverage varies by state, check with your FMH agent for availability.