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You have no idea how crop insurance works. I'll explain the most common type.
First you are guaranteed based on your past (10 years)production, this is called your APH(Actual Production History). So unless you have had zero wildlife damage in the past your APH has been lowered because of prior damage. You buy insurance as a % of your APH, options are from 50%-85% with 75% being the most common.
So if you have an APH of 125 bushels per acre and a 75% policy you have to lose 31 B per A before you begin to collect. If you produce 80 B per A you will get paid for 14 bushels even though you lost 45 bushels. On top of that your APH for next year is lower.
Crop insurance is not the answer for a chronic problem like wildlife damage.
Here is an Idea... Get rid of CDPs and give farmers 5 bucks per ringtail killed. They would make money on the coon, plus the bushels of grain they saved, and insurance rates would drop due to less damage...
Win / Win / Win..