Apple Trees (0184)

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Coverage levels range from 50%-75%, price election is by type, and coverage level is by type.

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Different coverage levels may be selected by type in the county insured. However, if CAT is elected, CAT coverage will be applicable to all insured Apple Tree (0184) acreage in the county for the insured.

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If the actuarial documents designate separate prices by type, different Price Election %s will be allowed to be selected for each insured type in the county even if the prices for each type are the same. The prices chosen for each type are not required to have the same percentage relationship to the maximum price offered for each type.

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Late and Prevented Planting and Written Agreement provisions of the Basic Provisions are not applicable for this program. Additionally, Apple Tree coverage does not allow for Whole Farm Unit Structure and the Hail and Fire Exclusion Endorsement (HF) cannot be combined with any Fire Blight Options.

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Duplicate Policy functionality and Mark Complete Suspension were updated to allow for multiple types of Apple Tree coverages for the same State/County/Crop/Plan/Type so long as each has a different Type. If two or more Apple Tree coverages exist for the same State/County/Crop/Plan/Type, the duplicate policy functionality and Mark Complete Suspension will be invoked.

differences from other tree-based dollar Amount of insurance Coverages

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Detail lines must be created separate from the PAW. Entering a PAW for TDO Plan 40 Apple Trees (0184) WILL NOT create detail lines in the System.

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Uninsurable (UI) and Insurable trees must be on separate detail lines, even if they're on the same unit.

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When creating a detail line, the Crop Practice dropdown options each include the density of the trees on the unit (High/Low), the stage of the trees (I, II, or III), and the practice (IRR, IRR OC [irrigated organic certified], or IRR OT [irrigated organic transitional]).

Forms Requirements

By the SCD, the applicant/insured must submit the application, Pre-Acceptance Worksheet (PAW) and Grove Identification Map for the initial year of application.

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The information certified on the PAW includes: the separate blocks within the unit; the stage-blocks within each block; the numbers, stages, and types (varietal groups) of trees to be insured; and any other required information.

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The Grove ID Map is provided by the applicant/insured showing block locations, stage-blocks, and other tree information (e.g., types, varietal groups).

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Policyholders are not required to submit a completed PAW or Grove ID Map in subsequent years UNLESS CHANGES OCCUR (e.g., the numbers of trees and/or stage-block designations or errors are found). If no changes occur in subsequent years, producers can certify in the Remarks that there were "No changes".

Insurable/Uninsurable Apple Trees (0184)

Below are the requirements for Apple Trees to be considered insurable and what constitutes as an uninsurable Apple Tree. If uninsurable and insurable Apple Trees exist on the same unit/detail line, they must be entered as SEPARATE detail lines.

For Apple Trees (0184) to be considered insurable:

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They must be grown in the insurable county listed on the application that are adapted to the production area in which the insured has a share;

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They must be at least one year of age on July 1 of the current Crop Year and will produce a yield typical for a tree of the same age as the subject trees;

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They must be grown for the production of a commodity (i.e., Apples) to be sold for human consumption; and

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They must be insured under the Fire Blight Endorsement as specified in the SP.

Apple Trees (0184) considered uninsurable (in addition to the exclusions listed in section 8 of the BP):

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Are non-grafted seedlings (grown from seed);

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Are unsound, diseased, or unhealthy;

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Are toppled or leaning and that have not been reset;

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Were damaged before the beginning of the insurance period. If trees suffered such damage the previous Crop Year, then insurance will not attach until the previous year's damage is determined, the insured submits a revised acreage report, and the trees are accepted by the AIP; or

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Are inspected by the AIP and considered unacceptable.

In addition to the base policy, the Apple Trees (0184) pilot program also offers the following endorsements/options:

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The Fire Blight Endorsement:

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The Occurrence Loss Option (OLO):

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The Comprehensive Tree Value Endorsement (CTVE):

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The High-Risk Land Exclusion Option:

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The Hail and Fire Exclusion Endorsement (HF):