10/01/2026
We love when corn is growing...just not in the middle of Harvest! Thankfully small amounts of sprouting like this aren't showing up drastically in the combine grain tank, so don't panic just yet. However, stay vigilant for more quality issues as Harvest progresses. Please reach out to your Crop Insurance agent right away if you are hitting these thresholds:
We are aware of sprouting, kernel damage, discoloration, and mold in corn and soybean crops due to excessive moisture events this fall. Kernel damage discounts fall under Section A, Quality Adjustment, in the Special Provisions of the RMA Actuarial Documents. Procedures with Kernal Damage over 35% can be found in Section B inf the Special Provision. (www.rma.usda.gov)
Section A - Kernel Damage Discounts
Corn: 10.01% to 35%
Soybeans: 8.01% to 35%
Kernel damage can be determined on a load-by-load basis when grain is delivered to the local elevator. The adjuster will gather the settlement sheets from the insured and determine the PTC for that unit based on the RMA discount factors.
If the insured is farm-storing the crop, samples from the storage structure can be used to determine kernel damage. If your producer is concerned about potential kernel damage, they should take a sample to the elevator for testing. If the test results indicate excessive damage, a claim should be filed, and an adjuster will be assigned to determine the production for the farm-stored grain.
Mycotoxins
If there are concerns about mycotoxins, all samples for testing must be taken prior to the grain entering storage. All grades used for quality adjustment must be completed by the FGIS (Federal Grain Inspection Service). Quality adjustment discount factors can be found in the Special Provisions of the RMA Actuarial Documents. It is our recommendation that samples are from machine harvested grain (not hand shelled) to show representative practices / samples.
Important Reminders
Remember, all harvest losses involving a production loss must be reported within 15 days of harvest completion for the unit. Quality samples must be pulled within 60 days of harvest. Grain conditioning is recommended to prevent the crop from deteriorating in storage, as deterioration in storage is not a covered cause of loss.
Thank you, and please contact your Countryside agent with any additional questions.
Disclaimer: This is for information purposes only. Countryside is not liable.