{"version":"1.0.0","segments":[{"startTime":12.515,"endTime":16.045,"body":"Welcome to The Dirt on Organic"},{"startTime":12.515,"endTime":16.045,"body":"Farming, a podcast from OATS,"},{"startTime":17.365,"endTime":18.198,"body":"the Organic Agronomy Training Service."},{"startTime":18.515,"endTime":22.605,"body":"This season we are answering all those"},{"startTime":18.515,"endTime":22.605,"body":"burning questions we know you have about"},{"startTime":22.606,"endTime":25.565,"body":"crop insurance for organic farmers. Yes,"},{"startTime":25.785,"endTime":28.005,"body":"we know it's a podcast"},{"startTime":25.785,"endTime":28.005,"body":"about crop insurance,"},{"startTime":28.265,"endTime":32.205,"body":"but we're going keep these episodes"},{"startTime":28.265,"endTime":32.205,"body":"short, lively, and accessible. Heck,"},{"startTime":32.425,"endTime":35.284,"body":"you might even enjoy listening."},{"startTime":32.425,"endTime":35.284,"body":"I'm Nate Powell Palm."},{"startTime":35.784,"endTime":37.085,"body":"And I'm Mallory Krieger."},{"startTime":37.425,"endTime":40.165,"body":"And we're the hosts of the"},{"startTime":37.425,"endTime":40.165,"body":"Dirt on Organic Farming."},{"startTime":43.465,"endTime":46.284,"body":"In this episode. What about"},{"startTime":43.465,"endTime":46.284,"body":"hail and wind insurance?"},{"startTime":50.985,"endTime":52.485,"body":"In these last couple of episodes,"},{"startTime":52.575,"endTime":56.565,"body":"we've been talking about tools that are"},{"startTime":52.575,"endTime":56.565,"body":"available to organic farmers to help"},{"startTime":56.566,"endTime":58.165,"body":"them optimize their crop insurance,"},{"startTime":58.425,"endTime":61.925,"body":"and make sure they have the"},{"startTime":58.425,"endTime":61.925,"body":"coverage they need. So this episode,"},{"startTime":62.215,"endTime":66.084,"body":"we're going to talk about some more"},{"startTime":62.215,"endTime":66.084,"body":"tools, which are hail and wind insurance."},{"startTime":66.665,"endTime":69.605,"body":"So does regular crop insurance"},{"startTime":66.665,"endTime":69.605,"body":"not cover hail and wind?"},{"startTime":70.515,"endTime":74.655,"body":"So everything we've been talking"},{"startTime":70.515,"endTime":74.655,"body":"about until now is multi peril policy,"},{"startTime":75.225,"endTime":78.895,"body":"which covers crop losses that can result"},{"startTime":75.225,"endTime":78.895,"body":"from a number of different causes."},{"startTime":79.645,"endTime":83.655,"body":"Hail and wind are add-on insurance"},{"startTime":79.645,"endTime":83.655,"body":"options from private companies."},{"startTime":84.194,"endTime":88.694,"body":"To fill me in on hail and wind, I called"},{"startTime":84.194,"endTime":88.694,"body":"our resident crop insurance expert,"},{"startTime":89.135,"endTime":89.915,"body":"Megan Vaith."},{"startTime":89.915,"endTime":93.665,"body":"There are two main categories"},{"startTime":89.915,"endTime":93.665,"body":"when it comes to crop insurance,"},{"startTime":94.185,"endTime":96.665,"body":"and I would say these two"},{"startTime":94.185,"endTime":96.665,"body":"are multi peril and hail."},{"startTime":97.515,"endTime":101.245,"body":"Hail insurance is different than multi"},{"startTime":97.515,"endTime":101.245,"body":"peril because it's an add-on insurance,"},{"startTime":101.246,"endTime":104.765,"body":"where you can cover yourself"},{"startTime":101.246,"endTime":104.765,"body":"specifically for hail damage."},{"startTime":105.345,"endTime":106.725,"body":"On the multi peril side,"},{"startTime":106.815,"endTime":110.005,"body":"which is what most people talk about"},{"startTime":106.815,"endTime":110.005,"body":"when they talk about crop insurance,"},{"startTime":110.745,"endTime":113.805,"body":"the highest coverage of"},{"startTime":110.745,"endTime":113.805,"body":"farmer could purchase is 85%,"},{"startTime":113.995,"endTime":118.725,"body":"meaning he still has a 15% deductible"},{"startTime":113.995,"endTime":118.725,"body":"on what revenue he was expected"},{"startTime":118.825,"endTime":120.005,"body":"to receive for the year."},{"startTime":120.725,"endTime":124.465,"body":"So hail insurance can be used to fill"},{"startTime":120.725,"endTime":124.465,"body":"that gap and give the farmer a little bit"},{"startTime":124.466,"endTime":127.465,"body":"of extra coverage, so he doesn't"},{"startTime":124.466,"endTime":127.465,"body":"have quite as large of a deductible."},{"startTime":128.455,"endTime":133.455,"body":"I asked Megan about the other differences"},{"startTime":128.455,"endTime":133.455,"body":"between multi peril and wind and hail."},{"startTime":134.205,"endTime":138.575,"body":"Hail insurance is very different than"},{"startTime":134.205,"endTime":138.575,"body":"multi peril. On the multi peril side,"},{"startTime":139.215,"endTime":143.815,"body":"coverage is calculated by taking the"},{"startTime":139.215,"endTime":143.815,"body":"farmer's proven yield history times the"},{"startTime":143.816,"endTime":147.775,"body":"price to get his expected revenue"},{"startTime":143.816,"endTime":147.775,"body":"for the year. On the hail side,"},{"startTime":148.645,"endTime":152.335,"body":"farmers get to choose how many"},{"startTime":148.645,"endTime":152.335,"body":"dollars of coverage they want."},{"startTime":153.105,"endTime":157.245,"body":"So there's a multitude of different"},{"startTime":153.105,"endTime":157.245,"body":"options to choose from with some having"},{"startTime":157.435,"endTime":158.235,"body":"deductibles,"},{"startTime":158.235,"endTime":162.845,"body":"some having payouts that start to double"},{"startTime":158.235,"endTime":162.845,"body":"or triple after a certain price point."},{"startTime":163.305,"endTime":165.725,"body":"And of course all of those"},{"startTime":163.305,"endTime":165.725,"body":"come with different premiums."},{"startTime":166.395,"endTime":169.775,"body":"So it's really beneficial because a"},{"startTime":166.395,"endTime":169.775,"body":"farmer has so many different options to"},{"startTime":169.776,"endTime":172.395,"body":"choose from. And along with that,"},{"startTime":172.905,"endTime":175.755,"body":"they can also purchase"},{"startTime":172.905,"endTime":175.755,"body":"additional wind coverage,"},{"startTime":175.855,"endTime":178.035,"body":"on top of it so that they"},{"startTime":175.855,"endTime":178.035,"body":"can be covered on both,"},{"startTime":178.215,"endTime":182.325,"body":"either a wind or a hail event that can"},{"startTime":178.215,"endTime":182.325,"body":"come through and maybe damage their"},{"startTime":182.335,"endTime":183.168,"body":"crops."},{"startTime":183.595,"endTime":187.565,"body":"Hail insurance is also completely"},{"startTime":183.595,"endTime":187.565,"body":"different from multi peril because it is a"},{"startTime":187.566,"endTime":190.405,"body":"private product. And so"},{"startTime":187.566,"endTime":190.405,"body":"it is still governed,"},{"startTime":190.585,"endTime":193.965,"body":"but it is not under the same structure"},{"startTime":190.585,"endTime":193.965,"body":"as multi peril where it is not"},{"startTime":193.965,"endTime":197.565,"body":"subsidized, and so the premium"},{"startTime":193.965,"endTime":197.565,"body":"can be a little bit higher."},{"startTime":197.745,"endTime":202.165,"body":"And the premiums are also very different"},{"startTime":197.745,"endTime":202.165,"body":"on the hail side where it all goes"},{"startTime":202.175,"endTime":206.805,"body":"based on township rather than"},{"startTime":202.175,"endTime":206.805,"body":"based on your history or the county"},{"startTime":207.215,"endTime":209.365,"body":"yield or anything like that."},{"startTime":207.215,"endTime":209.365,"body":"It's all based on the township."},{"startTime":209.366,"endTime":211.085,"body":"But it is all a private product,"},{"startTime":211.086,"endTime":216.085,"body":"so it is not federally"},{"startTime":211.086,"endTime":216.085,"body":"subsidized like your multi peril"},{"startTime":216.086,"endTime":216.919,"body":"is."},{"startTime":216.945,"endTime":221.005,"body":"Is there anything specifically different"},{"startTime":216.945,"endTime":221.005,"body":"for organic farmers when it comes to"},{"startTime":221.006,"endTime":221.839,"body":"wind and hail?"},{"startTime":222.075,"endTime":224.405,"body":"Good question, and"},{"startTime":222.075,"endTime":224.405,"body":"Megan did touch on that."},{"startTime":225.405,"endTime":226.238,"body":"Oftentimes,"},{"startTime":226.595,"endTime":230.915,"body":"I would say that claims are adjusted"},{"startTime":226.595,"endTime":230.915,"body":"the same for organic farmers as they are"},{"startTime":230.916,"endTime":231.795,"body":"for conventional farmers."},{"startTime":232.915,"endTime":237.815,"body":"The rule of thumb on any sort of"},{"startTime":232.915,"endTime":237.815,"body":"hail event is to wait 10 days after"},{"startTime":237.915,"endTime":242.095,"body":"the storm for an adjuster to come out so"},{"startTime":237.915,"endTime":242.095,"body":"that they can see if the crop is going"},{"startTime":242.096,"endTime":245.285,"body":"to bounce back or not."},{"startTime":242.096,"endTime":245.285,"body":"For an organic farmer,"},{"startTime":245.335,"endTime":247.805,"body":"those 10 days could be a pretty big deal."},{"startTime":248.425,"endTime":252.005,"body":"And so if the farmer leaves"},{"startTime":248.425,"endTime":252.005,"body":"the field just sit for 10 days,"},{"startTime":252.025,"endTime":254.805,"body":"it could be easily overtaken by weeds,"},{"startTime":255.585,"endTime":257.125,"body":"as we're probably all well aware."},{"startTime":257.935,"endTime":261.435,"body":"And so I would encourage organic"},{"startTime":257.935,"endTime":261.435,"body":"farmers to push back maybe a little bit,"},{"startTime":261.436,"endTime":263.795,"body":"and try to get an exception"},{"startTime":261.436,"endTime":263.795,"body":"to this 10 day rule,"},{"startTime":264.295,"endTime":268.915,"body":"in situations where maybe the farmer"},{"startTime":264.295,"endTime":268.915,"body":"needs to get out into the field to prevent"},{"startTime":268.916,"endTime":272.275,"body":"things from getting even"},{"startTime":268.916,"endTime":272.275,"body":"worse in the long run."},{"startTime":273.035,"endTime":273.868,"body":"Wow,"},{"startTime":273.895,"endTime":277.995,"body":"10 days is a really big deal for organic"},{"startTime":273.895,"endTime":277.995,"body":"farmers when you constantly have to be"},{"startTime":277.996,"endTime":279.154,"body":"monitoring for weeds."},{"startTime":280.015,"endTime":282.675,"body":"I'm interested to hear what that looks"},{"startTime":280.015,"endTime":282.675,"body":"like from a farmer's perspective."},{"startTime":283.464,"endTime":284.595,"body":"Well, we're in luck,"},{"startTime":284.955,"endTime":288.075,"body":"because I called up Amy Bruch to"},{"startTime":284.955,"endTime":288.075,"body":"learn how she uses wind and hail."},{"startTime":288.535,"endTime":292.395,"body":"We heard from Amy briefly in the"},{"startTime":288.535,"endTime":292.395,"body":"last episode on written agreements,"},{"startTime":292.735,"endTime":296.835,"body":"but I asked her to introduce yourself"},{"startTime":292.735,"endTime":296.835,"body":"and tell us a little bit more about her"},{"startTime":296.836,"endTime":298.154,"body":"background and her operation."},{"startTime":298.575,"endTime":300.515,"body":"My background, I'm a"},{"startTime":298.575,"endTime":300.515,"body":"sixth generation farmer."},{"startTime":300.815,"endTime":302.835,"body":"My family farms are in"},{"startTime":300.815,"endTime":302.835,"body":"East central Nebraska."},{"startTime":302.895,"endTime":304.915,"body":"And I've kind of had a little"},{"startTime":302.895,"endTime":304.915,"body":"bit of a boomerang experience,"},{"startTime":304.916,"endTime":307.755,"body":"went to school at Iowa State,"},{"startTime":304.916,"endTime":307.755,"body":"got my ag engineering degree,"},{"startTime":308.214,"endTime":312.435,"body":"worked in industry for a little while."},{"startTime":308.214,"endTime":312.435,"body":"And then my husband and I went to Brazil,"},{"startTime":312.436,"endTime":315.915,"body":"we did production ag down in Brazil."},{"startTime":312.436,"endTime":315.915,"body":"I lived there about seven years."},{"startTime":315.975,"endTime":320.714,"body":"So it was really interesting to see"},{"startTime":315.975,"endTime":320.714,"body":"the profession that I grew up with,"},{"startTime":320.815,"endTime":324.635,"body":"and know and love from a, you know,"},{"startTime":320.815,"endTime":324.635,"body":"viewpoint of the southern hemisphere."},{"startTime":325.055,"endTime":327.515,"body":"And then my husband and"},{"startTime":325.055,"endTime":327.515,"body":"I got into ag consulting,"},{"startTime":327.795,"endTime":331.475,"body":"so we got to do different projects all"},{"startTime":327.795,"endTime":331.475,"body":"across South America, over in Africa,"},{"startTime":331.495,"endTime":333.595,"body":"Europe, et cetera. So again,"},{"startTime":333.596,"endTime":337.555,"body":"I've just been really blessed to be"},{"startTime":333.596,"endTime":337.555,"body":"able to work and see all sides of this"},{"startTime":337.556,"endTime":339.035,"body":"profession that I love. My"},{"startTime":340.556,"endTime":343.955,"body":"father actually passed away and that"},{"startTime":340.556,"endTime":343.955,"body":"brought me back to my home base in east"},{"startTime":344.596,"endTime":347.154,"body":"central Nebraska. That's"},{"startTime":344.596,"endTime":347.154,"body":"kind of the boomerang effect,"},{"startTime":347.315,"endTime":350.555,"body":"I always thought I'd farm with him,"},{"startTime":347.315,"endTime":350.555,"body":"and now it's kind of farming for him."},{"startTime":351.295,"endTime":356.195,"body":"And so I've been doing production ag"},{"startTime":351.295,"endTime":356.195,"body":"back in Nebraska for over a decade"},{"startTime":356.295,"endTime":358.925,"body":"now, and a short decade"},{"startTime":356.295,"endTime":358.925,"body":"into organic production."},{"startTime":359.425,"endTime":363.805,"body":"Right now we're completely"},{"startTime":359.425,"endTime":363.805,"body":"organic or transition to organic."},{"startTime":364.025,"endTime":367.885,"body":"Main crops that we grow are a"},{"startTime":364.025,"endTime":367.885,"body":"lot of food grade row crops,"},{"startTime":367.985,"endTime":372.205,"body":"so white corn, blue corn, yellow"},{"startTime":367.985,"endTime":372.205,"body":"corn for chips and tortillas,"},{"startTime":372.206,"endTime":375.404,"body":"we do soybeans for tofu,"},{"startTime":376.785,"endTime":381.045,"body":"do some wheat, and really try"},{"startTime":376.785,"endTime":381.045,"body":"to stay, we do alfalfa as well."},{"startTime":381.046,"endTime":385.565,"body":"We try to stay in the insurable crops"},{"startTime":381.046,"endTime":385.565,"body":"just because there's so much challenges"},{"startTime":385.595,"endTime":387.245,"body":"with, you know, organic farming,"},{"startTime":387.305,"endTime":390.445,"body":"and me having experience in South"},{"startTime":387.305,"endTime":390.445,"body":"America seeing farming without insurance."},{"startTime":391.805,"endTime":396.085,"body":"I love that a first world nation like"},{"startTime":391.805,"endTime":396.085,"body":"ourselves has the opportunity to have crop"},{"startTime":396.086,"endTime":400.365,"body":"insurance, and really be able"},{"startTime":396.086,"endTime":400.365,"body":"to secure and mitigate risks."},{"startTime":400.464,"endTime":403.485,"body":"So I try to stay in those"},{"startTime":400.464,"endTime":403.485,"body":"types of crops in our area,"},{"startTime":403.585,"endTime":407.485,"body":"and we are a hundred percent irrigated"},{"startTime":403.585,"endTime":407.485,"body":"as well, so we can control that variable."},{"startTime":407.904,"endTime":408.765,"body":"As I'm sure you can tell,"},{"startTime":409.065,"endTime":412.565,"body":"Amy is knowledgeable as both"},{"startTime":409.065,"endTime":412.565,"body":"a farmer and a consultant."},{"startTime":413.145,"endTime":415.725,"body":"She really knows the ins"},{"startTime":413.145,"endTime":415.725,"body":"and outs of organic farming."},{"startTime":416.345,"endTime":419.765,"body":"So I was curious how she approaches"},{"startTime":416.345,"endTime":419.765,"body":"crop insurance for her operation."},{"startTime":420.435,"endTime":423.725,"body":"What I've had to do is kind of a full"},{"startTime":420.435,"endTime":423.725,"body":"court press with my crop insurance."},{"startTime":424.005,"endTime":425.245,"body":"I'm in east central Nebraska,"},{"startTime":425.605,"endTime":428.285,"body":"and we do have some hail and"},{"startTime":425.605,"endTime":428.285,"body":"wind events that come through."},{"startTime":428.665,"endTime":433.165,"body":"So what I like to do is a multi peril"},{"startTime":428.665,"endTime":433.165,"body":"policy that really covers kind of"},{"startTime":433.166,"endTime":436.085,"body":"catastrophic events. If if"},{"startTime":433.166,"endTime":436.085,"body":"there's a complete wipe out,"},{"startTime":436.086,"endTime":438.845,"body":"then that's when the multi"},{"startTime":436.086,"endTime":438.845,"body":"peril policy will kick in."},{"startTime":438.846,"endTime":443.805,"body":"But a 30% crop damage failure"},{"startTime":438.846,"endTime":443.805,"body":"is really not going to tap into"},{"startTime":443.806,"endTime":447.805,"body":"any multi peril event or"},{"startTime":443.806,"endTime":447.805,"body":"multi peril policy payout."},{"startTime":448.025,"endTime":449.925,"body":"So what I do for the gap coverage,"},{"startTime":450.145,"endTime":453.965,"body":"I'm able to stack on some private"},{"startTime":450.145,"endTime":453.965,"body":"policies for those types of events."},{"startTime":453.966,"endTime":458.885,"body":"There's policies that are"},{"startTime":453.966,"endTime":458.885,"body":"mainly damage based is what I"},{"startTime":458.886,"endTime":463.085,"body":"have been really investing in. They're"},{"startTime":458.886,"endTime":463.085,"body":"expensive, they're not subsidized,"},{"startTime":463.305,"endTime":467.045,"body":"but they do allow for me to cover"},{"startTime":463.305,"endTime":467.045,"body":"those gaps due to hail and wind."},{"startTime":467.885,"endTime":472.705,"body":"And something important that Amy pointed"},{"startTime":467.885,"endTime":472.705,"body":"out is that wind and hail does vary by"},{"startTime":472.706,"endTime":473.539,"body":"where you're located."},{"startTime":474.085,"endTime":478.785,"body":"In my area I farm in a few different"},{"startTime":474.085,"endTime":478.785,"body":"counties. However, hail insurance rates,"},{"startTime":478.925,"endTime":480.745,"body":"and when we look at"},{"startTime":478.925,"endTime":480.745,"body":"these private policies,"},{"startTime":480.746,"endTime":482.625,"body":"when we're looking at costs per acre,"},{"startTime":482.685,"endTime":486.825,"body":"per hundred dollars of"},{"startTime":482.685,"endTime":486.825,"body":"coverage that you're getting"},{"startTime":487.305,"endTime":490.945,"body":"And I'm a, I can attest to"},{"startTime":487.305,"endTime":490.945,"body":"that. I am in York County,"},{"startTime":490.946,"endTime":492.625,"body":"when I farm on the east"},{"startTime":490.946,"endTime":492.625,"body":"side of York County,"},{"startTime":492.725,"endTime":496.705,"body":"my rates are a little bit lower compared"},{"startTime":492.725,"endTime":496.705,"body":"to the west side of York County."},{"startTime":496.845,"endTime":500.545,"body":"So it is a township, it can"},{"startTime":496.845,"endTime":500.545,"body":"be a township driven cost."},{"startTime":501.065,"endTime":505.025,"body":"I know in the states that experience"},{"startTime":501.065,"endTime":505.025,"body":"lower levels of hail and wind,"},{"startTime":506.445,"endTime":509.745,"body":"you might not necessarily"},{"startTime":506.445,"endTime":509.745,"body":"see changes per township."},{"startTime":509.745,"endTime":514.145,"body":"But you really have to look at the"},{"startTime":509.745,"endTime":514.145,"body":"details when it comes to where your farms"},{"startTime":514.146,"endTime":516.385,"body":"are located to see the value and costs."},{"startTime":516.445,"endTime":521.225,"body":"And I just break it out usually on a"},{"startTime":516.445,"endTime":521.225,"body":"spreadsheet and have all of my farms"},{"startTime":521.255,"endTime":521.746,"body":"laid out."},{"startTime":521.746,"endTime":526.505,"body":"And then I match up what my agent gives"},{"startTime":521.746,"endTime":526.505,"body":"me for kind of the archival history,"},{"startTime":526.565,"endTime":528.105,"body":"and information, and the quotes,"},{"startTime":528.165,"endTime":531.184,"body":"and just try to always map"},{"startTime":528.165,"endTime":531.184,"body":"that out year after year,"},{"startTime":531.506,"endTime":532.745,"body":"and see what the changes are."},{"startTime":532.746,"endTime":536.485,"body":"Because there can be really"},{"startTime":532.746,"endTime":536.485,"body":"drastic premium increases,"},{"startTime":536.625,"endTime":540.485,"body":"and which might end up changing your"},{"startTime":536.625,"endTime":540.485,"body":"strategy or your levels of coverage year"},{"startTime":540.486,"endTime":544.445,"body":"after year depending on, you know, certain"},{"startTime":540.486,"endTime":544.445,"body":"hail and wind events that occurred."},{"startTime":563.684,"endTime":567.485,"body":"So it sounds like Amy is really looking"},{"startTime":563.684,"endTime":567.485,"body":"at all the options and variables when"},{"startTime":567.725,"endTime":569.645,"body":"deciding what the best"},{"startTime":567.725,"endTime":569.645,"body":"policies are for her."},{"startTime":570.385,"endTime":571.218,"body":"That's right."},{"startTime":571.625,"endTime":576.125,"body":"And she has had a lot of experience with"},{"startTime":571.625,"endTime":576.125,"body":"using different types of insurance and"},{"startTime":576.126,"endTime":576.959,"body":"filing claims."},{"startTime":577.425,"endTime":581.565,"body":"So I asked her to walk me through what"},{"startTime":577.425,"endTime":581.565,"body":"it's like to file a wind and hail claim."},{"startTime":582.065,"endTime":582.366,"body":"You know,"},{"startTime":582.366,"endTime":585.165,"body":"the first thing you got to do when you"},{"startTime":582.366,"endTime":585.165,"body":"have a weather event and it causes some"},{"startTime":585.166,"endTime":586.885,"body":"damage to your field, go out and scout."},{"startTime":587.005,"endTime":591.245,"body":"I mean there's great satellite imagery"},{"startTime":587.005,"endTime":591.245,"body":"applications too that can help you find,"},{"startTime":591.465,"endTime":592.525,"body":"you know, within your field."},{"startTime":592.765,"endTime":595.804,"body":"Because hail and wind is an always"},{"startTime":592.765,"endTime":595.804,"body":"a straight line problem event."},{"startTime":595.905,"endTime":598.365,"body":"It could be heavier in"},{"startTime":595.905,"endTime":598.365,"body":"one area versus another."},{"startTime":598.585,"endTime":602.405,"body":"So first thing I do is"},{"startTime":598.585,"endTime":602.405,"body":"when there is an event,"},{"startTime":602.505,"endTime":606.445,"body":"simultaneously call my agent, let them"},{"startTime":602.505,"endTime":606.445,"body":"know, and then go out to my field."},{"startTime":606.446,"endTime":610.045,"body":"Because even if there is"},{"startTime":606.446,"endTime":610.045,"body":"lower damage than you expect,"},{"startTime":610.065,"endTime":612.445,"body":"at least you've made the effort"},{"startTime":610.065,"endTime":612.445,"body":"to reach out to your agent."},{"startTime":612.465,"endTime":616.405,"body":"You can always you know,"},{"startTime":612.465,"endTime":616.405,"body":"cancel that off. But you know,"},{"startTime":616.406,"endTime":619.325,"body":"I've been told that sometimes"},{"startTime":616.406,"endTime":619.325,"body":"after wind and hale events,"},{"startTime":619.326,"endTime":621.965,"body":"you got to wait 10 days before"},{"startTime":619.326,"endTime":621.965,"body":"an adjuster will come out,"},{"startTime":621.966,"endTime":625.525,"body":"because they need to see how the"},{"startTime":621.966,"endTime":625.525,"body":"crop recovers. And that's true."},{"startTime":625.905,"endTime":629.445,"body":"Sometimes it really"},{"startTime":625.905,"endTime":629.445,"body":"does look bad time zero,"},{"startTime":629.625,"endTime":632.365,"body":"but you wait a few extra"},{"startTime":629.625,"endTime":632.365,"body":"days, and the crops,"},{"startTime":632.675,"endTime":635.645,"body":"they are more resilient than you think"},{"startTime":632.675,"endTime":635.645,"body":"they're going to be on how they recover."},{"startTime":635.835,"endTime":636.668,"body":"However,"},{"startTime":636.915,"endTime":641.005,"body":"that timeframe of waiting is really"},{"startTime":636.915,"endTime":641.005,"body":"problematic for organic farmers,"},{"startTime":641.465,"endTime":642.965,"body":"and you really got to drive the process."},{"startTime":643.075,"endTime":647.565,"body":"Because if you're not able to get in"},{"startTime":643.075,"endTime":647.565,"body":"your field and take care of your crop,"},{"startTime":647.985,"endTime":652.645,"body":"and some of our methods of weed management"},{"startTime":647.985,"endTime":652.645,"body":"are really aggressive when we take"},{"startTime":652.646,"endTime":655.765,"body":"care of our crops, we're actually,"},{"startTime":652.646,"endTime":655.765,"body":"in order to mitigate weeds,"},{"startTime":656.015,"endTime":658.565,"body":"we're doing a little bit"},{"startTime":656.015,"endTime":658.565,"body":"of damage to our crops."},{"startTime":658.585,"endTime":660.725,"body":"You need to be very"},{"startTime":658.585,"endTime":660.725,"body":"transparent with your agent,"},{"startTime":661.025,"endTime":663.804,"body":"and also if you can get in"},{"startTime":661.025,"endTime":663.804,"body":"contact with the adjuster,"},{"startTime":664.145,"endTime":666.765,"body":"and let them know that I still"},{"startTime":664.145,"endTime":666.765,"body":"have to take care of my crop."},{"startTime":666.985,"endTime":670.525,"body":"I'm not going to be absent in my"},{"startTime":666.985,"endTime":670.525,"body":"field for 10 days while we wait."},{"startTime":671.115,"endTime":674.045,"body":"That's really critical, because"},{"startTime":671.115,"endTime":674.045,"body":"you need to take care of the weeds."},{"startTime":674.245,"endTime":678.645,"body":"Because in 10 days you're going to have"},{"startTime":674.245,"endTime":678.645,"body":"\u003claugh\u003e a disaster on your hands if"},{"startTime":678.646,"endTime":683.605,"body":"you're not able to get after it. So"},{"startTime":678.646,"endTime":683.605,"body":"it's very crop specific and dependent."},{"startTime":683.945,"endTime":684.778,"body":"So each crop,"},{"startTime":685.445,"endTime":689.725,"body":"it has a different frame of reference"},{"startTime":685.445,"endTime":689.725,"body":"from when you had a weather impact event"},{"startTime":689.745,"endTime":693.725,"body":"to when the adjuster needs to get"},{"startTime":689.745,"endTime":693.725,"body":"out. So first understand that as well."},{"startTime":694.345,"endTime":697.965,"body":"And then secondly, if you need"},{"startTime":694.345,"endTime":697.965,"body":"to have some exceptions there."},{"startTime":698.165,"endTime":701.405,"body":"I would definitely try to keep"},{"startTime":698.165,"endTime":701.405,"body":"those communication lines open."},{"startTime":701.505,"endTime":704.925,"body":"If it's bad enough and you can"},{"startTime":701.505,"endTime":704.925,"body":"just leave strips, for example,"},{"startTime":704.926,"endTime":707.965,"body":"because it's almost total wipe out,"},{"startTime":708.315,"endTime":710.325,"body":"then that's better to leave the strips,"},{"startTime":710.465,"endTime":713.205,"body":"and then completely till"},{"startTime":710.465,"endTime":713.205,"body":"up the rest of your field,"},{"startTime":713.304,"endTime":717.804,"body":"so you can maximize your time and our"},{"startTime":713.304,"endTime":717.804,"body":"seasons, and get another crop going."},{"startTime":717.804,"endTime":722.405,"body":"It really is case specific on"},{"startTime":717.804,"endTime":722.405,"body":"what the outcome's going to"},{"startTime":722.406,"endTime":726.565,"body":"be. But you really need to be"},{"startTime":722.406,"endTime":726.565,"body":"involved in that process from day one."},{"startTime":727.255,"endTime":731.125,"body":"There is so much good advice in there"},{"startTime":727.255,"endTime":731.125,"body":"between utilizing satellite imagery,"},{"startTime":731.425,"endTime":734.445,"body":"to getting in contact with your"},{"startTime":731.425,"endTime":734.445,"body":"adjuster as soon as possible,"},{"startTime":734.705,"endTime":738.085,"body":"to leaving strips if you can't"},{"startTime":734.705,"endTime":738.085,"body":"leave the whole field for 10 days."},{"startTime":738.625,"endTime":739.765,"body":"And then of course,"},{"startTime":739.985,"endTime":743.445,"body":"the importance of open"},{"startTime":739.985,"endTime":743.445,"body":"lines of communication with"},{"startTime":743.945,"endTime":746.885,"body":"And something Amy was adamant about"},{"startTime":743.945,"endTime":746.885,"body":"is that organic farmers need to be"},{"startTime":746.886,"endTime":751.085,"body":"well-versed in these policies or"},{"startTime":746.886,"endTime":751.085,"body":"have an agent that can support them,"},{"startTime":751.275,"endTime":754.645,"body":"because crop insurance is more"},{"startTime":751.275,"endTime":754.645,"body":"complicated for organic farmers."},{"startTime":755.645,"endTime":758.804,"body":"I have a good team that"},{"startTime":755.645,"endTime":758.804,"body":"I talk to, but yeah,"},{"startTime":759.315,"endTime":762.325,"body":"this has been really interesting"},{"startTime":759.315,"endTime":762.325,"body":"learning because, you know,"},{"startTime":762.326,"endTime":765.565,"body":"you just don't get into the details when"},{"startTime":762.326,"endTime":765.565,"body":"you're a conventional farmer with the"},{"startTime":765.885,"endTime":769.525,"body":"policies. Because when the policy"},{"startTime":765.885,"endTime":769.525,"body":"matches your output, you know,"},{"startTime":769.545,"endTime":770.845,"body":"you don't necessarily have questions."},{"startTime":770.846,"endTime":773.445,"body":"Because you know what you're"},{"startTime":770.846,"endTime":773.445,"body":"going to expect with the payouts,"},{"startTime":773.446,"endTime":777.925,"body":"when there's this delta between where"},{"startTime":773.446,"endTime":777.925,"body":"the triggers are for your multi-peril and"},{"startTime":777.926,"endTime":782.245,"body":"then your output. You know, that I'm"},{"startTime":777.926,"endTime":782.245,"body":"just looking to, to fill the gap here,"},{"startTime":782.566,"endTime":783.485,"body":"and at least you know,"},{"startTime":783.605,"endTime":788.005,"body":"a benefit to being in a hail and wind"},{"startTime":783.605,"endTime":788.005,"body":"zone is that there are these private"},{"startTime":788.445,"endTime":791.645,"body":"policies that you can stack in there."},{"startTime":788.445,"endTime":791.645,"body":"It's really interesting. You know,"},{"startTime":791.646,"endTime":796.605,"body":"it's really important for organic"},{"startTime":791.646,"endTime":796.605,"body":"producers to be well versed in the ins and"},{"startTime":796.635,"endTime":799.845,"body":"outs of their area and"},{"startTime":796.635,"endTime":799.845,"body":"these insurance policies."},{"startTime":800.125,"endTime":803.925,"body":"Because I think doing a little bit more"},{"startTime":800.125,"endTime":803.925,"body":"studying can make the difference on"},{"startTime":803.945,"endTime":806.845,"body":"having better coverage"},{"startTime":803.945,"endTime":806.845,"body":"or not for your area."},{"startTime":815.315,"endTime":817.245,"body":"This has been the dirt on organic Farming,"},{"startTime":817.245,"endTime":819.765,"body":"a podcast by the Organic"},{"startTime":817.245,"endTime":819.765,"body":"Agronomy Training Service."},{"startTime":820.355,"endTime":823.725,"body":"OATS provides training to agronomists,"},{"startTime":820.355,"endTime":823.725,"body":"advisors, and crop consultants,"},{"startTime":823.865,"endTime":826.245,"body":"so that farmers will have"},{"startTime":823.865,"endTime":826.245,"body":"better access to reliable,"},{"startTime":826.434,"endTime":829.205,"body":"science-based advice for"},{"startTime":826.434,"endTime":829.205,"body":"their unique farm operation."},{"startTime":829.715,"endTime":833.765,"body":"Special thanks in this episode"},{"startTime":829.715,"endTime":833.765,"body":"goes to Megan Vaith and Amy Bruch."},{"startTime":834.155,"endTime":837.765,"body":"This episode was produced by"},{"startTime":834.155,"endTime":837.765,"body":"Michaela Elias. For more information,"},{"startTime":837.825,"endTime":840.005,"body":"go to www.organicagronomy.org."},{"startTime":842.035,"endTime":846.085,"body":"OATS is a programmatically independent"},{"startTime":842.035,"endTime":846.085,"body":"consortium that is fiscally sponsored by"},{"startTime":846.086,"endTime":847.525,"body":"the Organic Trade Association."},{"startTime":848.115,"endTime":851.765,"body":"OATS is supported in part with funding"},{"startTime":848.115,"endTime":851.765,"body":"from OTAs membership companies."},{"startTime":852.304,"endTime":855.885,"body":"Season two of the Dirt on Organic"},{"startTime":852.304,"endTime":855.885,"body":"Farming is made possible by a funding"},{"startTime":855.886,"endTime":860.845,"body":"partnership with USDA Risk Management"},{"startTime":855.886,"endTime":860.845,"body":"Agency under award number RMA22CPT0012393."},{"startTime":865.145,"endTime":866.165,"body":"I'm Mallory Krieger."},{"startTime":866.425,"endTime":867.645,"body":"And I'm Nate Powell Palm."},{"startTime":868.365,"endTime":869.845,"body":"Till next time, thanks for listening."}]}