Great video. I really hope you weathered today's storm without too much damage and won't need assessment. We have a place in Grinnell and things are a mess. The winds took out a bunch of stuff, trees, light/telephone poles, trailers and a whole lot of corn. God bless you and your family!
Carl i watch quite a few farm youTube channels and i have to say that hands down you are the best educator for all things Farm. I think you would make a wonderful academic teacher but i know how much you and your family love the farm. I was a farmer in Northeast Kansas for over 20 years and i have learned a lot of things from your videos. Keep up the good work.
OMG! Very timely. My co-worker and I were just discussing her farm and how corn prices stink right now. I had no idea this was an option for farmers. You let off the insurance throttle right when it got into a seminar. Well done Carl.
Excellent explanation! As a crop insurance agent myself I’m astounded at how badly crop insurance is explained by those who should know how it works. It’s the cheapest input on the farm and the only one that comes with a guarantee. Best wishes this year!
Dodge Brothers Farm and Ranch You’re welcome! If the subsidy was eliminated the premiums would become ridiculously expensive and out of reach of the vast majority of growers. And a smaller number buying crop insurance would raise the prices further - a death spiral much like what happened in the health insurance marketplace. In the world of insurance, the crop insurance industry is quite small and yet needs to cover everyone from small family farms up to very large operations too. From small vegetable and fruit operations to multi-county grain producers. The subsidy is there for a reason - crop insurance would disappear along with the family farm if we didn’t have it.
As always a good basic explaination of a complex subject. Did the adjuster use a drone to assess the extent of the damage? It never ceases to amaze me how complex the job of farming is. One has to master the mechanics of the machinery, the technology driving the machines, the world economics, plant agonomy and the markets while at the same time dealing with the unpredictability of the weather. Now here is where I get impressed. Assume you farm for forty years. That means you have forty chances to learn. Golfers practice putting and driving thousands of times. Ball players play 162 games a year and have many chances to learn. You have to be a good student and be a quick learner. Good job!
You make an interesting point about how few chances we have to do this. Sadly the lady didn’t have a drone. The company had it out with another adjuster that day.
I have a very small farm and I appreciate this information a lot. I never knew how they figured the costs The Farmer who farms it just tells us. what we owe and once in a while, a check comes in Overall seems to break about even. Thanks
Very good information and I hate y’all having a drought and bad weather! We tend Blueberries in southeast Georgia and we had a lot of rain during picking. So if you don’t know ripe blueberries and rain don’t mix because they bust and mold. So thank the lord for crop insurance! Thanks again for sharing!
Hi Carl out towards Brooksville MS they have lots of pretty corn and soybeans off 45 north look it up on Google earth. I am not a farmer I use to have some cows no more tho but I enjoy listening to a few farmer's on TH-cam. Stay safe Carl Daniel from central Mississippi
Most informative explanation thanks. Here in the UK there is no specific weather related crop insurance except perhaps very specialist policies such as severe frost insurance for some tree and bush fruits.
Good explanation of the types of coverage and why each is important to consider. Have you ever read Dirt to Soil by Gabe Brown. He starts his farming saga by explaining that he lost entire crops to hail, the great white thrashing machine multiple years in a row. First year he had no hail coverage. Pretty bleak experience.. .
You say figuring $600 per acer and getting paid $475 per acer doesn't cover expensis. I'm wondering, geneally what is the profit of acre? Sounds like a very small percentage of overall costs.
If you are renting land, the profit margins are almost nothing right now. Those who own their land are doing better, but you still have to figure that you could have just rented the land out.
Hi. I hope things are okay with your family n extended. How ironic you did this video n then had another storm more severe. I heard Iowa's corn crop was 3/4 damaged, state wide total. Wow. I noticed the trucks dump corn down into a grilled pit, what happens next? I noticed there were silos. How is the soybean crop? Will the insurance lady come back of just wait til fall. I know y'all are too busy to single answer questions. Peace to you and yours
We got lucky! So at our place the corn goes down into the underground pit and the grain leg takes it up and drops it into the storage bin that feeds the dryer.
You don't have to do all of that. Just plant something in the late summer that should have been out months ago. Claim crop damage. That's what's destroying agriculture. Has been for 30 years at least. Now you need insurance for a telephone.
@@dodgebrothersfarmandranch9206 I see, well they destroyed tobacco farming that way. We put out a couple acres. We got 10 grand off of it in the 90s. Not a lot now but it sure helped out back then.
Thanks for a simple look into a very complex issue. I had no idea of the issues involved. As usual, I learned a lot. Were you able to get footage of the planes at work, and some of the facts that go into "spray or now". and what and how much to spray? I hope everyone there stays healthy, I'm locked down tight again due to rising infection rates, I hope you guys can stay safe and be well.
@@dodgebrothersfarmandranch9206 Ain't that the truth! I'm back to being locked down again ... rushed to drive my wife to the supermarket first thing this morning, the roadblock checkpoints were all being erected again, they go "live" at midnight tonight. Only one adult per household allowed out per day, every other day ... and no one under 20 (spreaders) or over 60 (vulnerable senior citizens). I was due to go back to the USA this month, but the infection rates in the USA (especially Florida where we live in the USA now) scare me and they scare the Philippine government also so they granted every foreigner a free extra 180 days of stay ... kinda like an asylum program. I'd rather be baling hay or shoveling out cow barns, but it is not to be for now. Stay healthy, and thanks for helping us stay sane through all this.
Good explanation of how the damaged plants are assessed. Is that applied to the whole field or do they also estimated how many acres are damaged (assuming it hasn't wrecked the whole field)?
It is applied to the whole field. That is why we took leaf samples in three different places in that field and tried to get get a representative sample.
I'm a 'city boy' and greatly appreciate the time you take to teach us about farming. I have learned a lot, including this episode on crop insurance. That brings me to my big question - I hadn't even heard the term Derecho until it hit my area of Virginia a few years ago; now I see it appears to have hit you - so are y'all doing OK? The damage pictures (including a grain elevator laying on the ground) from the storm area are remarkable. I hope y'all had minimal damage and all is well for you and your family and also hope for an 'all is well' video update.
Hey Ross, thanks for checking on us! We missed it by about 30 miles. It’s really ugly. Sorry I took so long to get back to you. We have been super busy the last couple weeks.
Very interesting from an old Kansas wheat farmer! So on that test corn plant does she also have to add in all the leaves with zero percent loss? Looks like you can’t just average the damaged leaves?
Very informative. From your video it looks like you have enough damage to receive some sort of payment. It would be nice if you got a partial payment now and the final one when there was another determination in the fall. I don't know that the insurance company would let you split the premiums. One in the spring and one in the fall. I don't know.
Now, that was interesting albeit a bit confusing. Can you tell me the approximate percentage of operating cost goes for insurance protection? Can and do you calculate your “break-even” point for each acre?
Hey Curt! I wish I could better answer your question here, but I’m gone this week and I would have to look at some stuff at the office to give you a good answer on that. I’ll try to remember next week!
No need to be shy about non-planting subjects in your videos. They're as much a part of farming as sticking a seed in the ground and harvesting the result. No money -- no farm. Have you are anyone you know had a disagreement with an insurance field agent's assessment? If so is there a mediation process you can go through?
The lady said I was free to dispute her judgments but I felt like she had a better handle on it than I did. Most field agents are extremely reasonable people.
Thank you. Your way of explaining is very clear. I appreciate it.
Great video Carl. Sounds like a complicated beast.
It can be. But it’s very important!
enjoyed your info and description! Thank you:)
Thanks for the video. Very informative thanks
Thanks for watching!
Very interesting video, never knew how those insurances worker.
Great video. I really hope you weathered today's storm without too much damage and won't need assessment. We have a place in Grinnell and things are a mess. The winds took out a bunch of stuff, trees, light/telephone poles, trailers and a whole lot of corn. God bless you and your family!
Sorry to see what you guys went through. We were very lucky.
Rock’n the Merideth Bernard cap!
Gotta support my friends!
Carl i watch quite a few farm youTube channels and i have to say that hands down you are the best educator for all things Farm. I think you would make a wonderful academic teacher but i know how much you and your family love the farm. I was a farmer in Northeast Kansas for over 20 years and i have learned a lot of things from your videos. Keep up the good work.
Thank you so much for the kind words! I do enjoy teaching and training people, but I love farming more 👍
Excellent explanation, thanks Carl!
Thanks brad!
Thanks for the good video.
Thanks for watching!
OMG! Very timely. My co-worker and I were just discussing her farm and how corn prices stink right now. I had no idea this was an option for farmers. You let off the insurance throttle right when it got into a seminar. Well done Carl.
Thanks! If you want to dig deeper you can check out the Iowa state university website and watch their tutorials on crop insurance
Hope your fields are OK after the derecho. Things are pretty beat up around Cedar Rapids.
Yes cedar Rapids is in ruins. Not good! We got really lucky.
Great video
Thank you!
Excellent explanation! As a crop insurance agent myself I’m astounded at how badly crop insurance is explained by those who should know how it works. It’s the cheapest input on the farm and the only one that comes with a guarantee. Best wishes this year!
Thanks Bob! What do you feel would happen if the government discontinued the premium subsidy? Would the market price in that additional risk?
Dodge Brothers Farm and Ranch You’re welcome! If the subsidy was eliminated the premiums would become ridiculously expensive and out of reach of the vast majority of growers. And a smaller number buying crop insurance would raise the prices further - a death spiral much like what happened in the health insurance marketplace. In the world of insurance, the crop insurance industry is quite small and yet needs to cover everyone from small family farms up to very large operations too. From small vegetable and fruit operations to multi-county grain producers. The subsidy is there for a reason - crop insurance would disappear along with the family farm if we didn’t have it.
As always a good basic explaination of a complex subject. Did the adjuster use a drone to assess the extent of the damage? It never ceases to amaze me how complex the job of farming is. One has to master the mechanics of the machinery, the technology driving the machines, the world economics, plant agonomy and the markets while at the same time dealing with the unpredictability of the weather. Now here is where I get impressed. Assume you farm for forty years. That means you have forty chances to learn. Golfers practice putting and driving thousands of times. Ball players play 162 games a year and have many chances to learn. You have to be a good student and be a quick learner. Good job!
You make an interesting point about how few chances we have to do this. Sadly the lady didn’t have a drone. The company had it out with another adjuster that day.
I have a very small farm and I appreciate this information a lot. I never knew how they figured the costs The Farmer who farms it just tells us. what we owe and once in a while, a check comes in Overall seems to break about even. Thanks
good work
Good explanation. How much does crop insurance cost?
It’s just a few dollars an acre depending on your yield history and level of coverage. Well worth it!
Thanks for the info!!! Keep up the great videos. Thank you
Thanks for watching!
We were just slammed by a 90 mph storm here in Iowa. Quad Cites area. Corn is flat. And trees are down. No power.
Storm was on August 11.
Yeah we got really lucky here. The damage was about 30 miles south of us and it spread north as soon as it got past us.
Very good information and I hate y’all having a drought and bad weather! We tend Blueberries in southeast Georgia and we had a lot of rain during picking. So if you don’t know ripe blueberries and rain don’t mix because they bust and mold. So thank the lord for crop insurance! Thanks again for sharing!
Man I had never thought about harvest weather for berries!
Waiting to hear effect of derecho. Wish I knew the town where you are located so I could check weather there.
We are fine here. The damage is terrible just a half hour away.
That was a good basic primer on crop insurance. Thanks.
Thanks for what you do to help feed the world though all kinds of weather God bless you all
It’s great to get to do what you love
Hello Carl, thanks for an excellent explanation! You seem to me the only person who can talk about insurance and show that he's enjoying it.
Great explanation. Thanks!
Outstanding content - and an excellent point to explain the actual costs involved in any farming operation.
Thanks for a good information video on crop insurance pretty cool !
Daniel from central Mississippi
Thanks Daniel! How are things looking down there?
Hi Carl out towards Brooksville MS they have lots of pretty corn and soybeans off 45 north look it up on Google earth. I am not a farmer I use to have some cows no more tho but I enjoy listening to a few farmer's on TH-cam. Stay safe Carl
Daniel from central Mississippi
Crop insurance adjuster from Wisconsin. Sounds like you have a good adjuster, sounds like she knows her stuff. Good description of crop insurance.
Fantastic explanation Carl. Thank you. By the way i still think the Dodge Bros Cap is my fav.
Yeah I need to get some more ordered. My old one is getting pretty worn out.
Informative and interesting as always. You do a great job explaining the ins and outs of farming Carl. Great video.
Thanks a lot!
Good explanation. Thanks. Maybe a future video idea would be on the crop futures markets and how you decide what crops to plant in the spring.
Good idea!
Did you get any wind damage from the storm Sunday 8-9-2020? I saw some pictures from Story county and the it was devastating!
We escaped it.
Good information thank you.
Thanks!
Hey Carl, just heard about the storm in Iowa. Are you and your family OK.
Yes we just missed it! Sorry I’m just getting caught up on comments.
@@dodgebrothersfarmandranch9206 no worries. Replies are not a priority. Watched your last video, saw that you were safe.
Thanks, I’ve always wondered about the nuances of crop insurance.
Most informative explanation thanks. Here in the UK there is no specific weather related crop insurance except perhaps very specialist policies such as severe frost insurance for some tree and bush fruits.
Hey thanks! It’s always cool to see what everyone else is doing.
Carl, good new intro - very good!
Good explanation of the types of coverage and why each is important to consider. Have you ever read Dirt to Soil by Gabe Brown. He starts his farming saga by explaining that he lost entire crops to hail, the great white thrashing machine multiple years in a row. First year he had no hail coverage. Pretty bleak experience.. .
I should read that. You aren’t the first person to mention it to me.
Are you ok up there Carl after the huge storm?.
Yup! Sorry I’m just working through the backlog here.
Great explanation of the insurance. Always wondered. Great videos.
Thanks a lot!
You say figuring $600 per acer and getting paid $475 per acer doesn't cover expensis. I'm wondering, geneally what is the profit of acre? Sounds like a very small percentage of overall costs.
If you are renting land, the profit margins are almost nothing right now. Those who own their land are doing better, but you still have to figure that you could have just rented the land out.
Are you guys ok ? I have seen footage of the damage
I hope it didn't hit you
We just barely missed it. It’s really bad just a half hour from here
Thanks Carl, that was great!
Thanks!
Better than Philippine Government explanation 😂
Haha I’ve never had the pleasure to hear that one
Hi. I hope things are okay with your family n extended. How ironic you did this video n then had another storm more severe. I heard Iowa's corn crop was 3/4 damaged, state wide total. Wow. I noticed the trucks dump corn down into a grilled pit, what happens next? I noticed there were silos. How is the soybean crop? Will the insurance lady come back of just wait til fall. I know y'all are too busy to single answer questions. Peace to you and yours
We got lucky! So at our place the corn goes down into the underground pit and the grain leg takes it up and drops it into the storage bin that feeds the dryer.
Man, I'll bet you need all of that insurance due to that storm on the 10th!
We got spared from the big one. It is really bad south of here.
No rush...
You don't have to do all of that. Just plant something in the late summer that should have been out months ago. Claim crop damage. That's what's destroying agriculture. Has been for 30 years at least. Now you need insurance for a telephone.
Well, actually it’s not that easy to game the system. You have to plant by a certain date and you have to certify your planting dates.
@@dodgebrothersfarmandranch9206 I see, well they destroyed tobacco farming that way. We put out a couple acres. We got 10 grand off of it in the 90s. Not a lot now but it sure helped out back then.
Thanks for a simple look into a very complex issue. I had no idea of the issues involved. As usual, I learned a lot. Were you able to get footage of the planes at work, and some of the facts that go into "spray or now". and what and how much to spray? I hope everyone there stays healthy, I'm locked down tight again due to rising infection rates, I hope you guys can stay safe and be well.
Thanks Dave! I did get a little footage. Not as much as I’d hoped. I really wish this virus would go away!
@@dodgebrothersfarmandranch9206 Ain't that the truth! I'm back to being locked down again ... rushed to drive my wife to the supermarket first thing this morning, the roadblock checkpoints were all being erected again, they go "live" at midnight tonight. Only one adult per household allowed out per day, every other day ... and no one under 20 (spreaders) or over 60 (vulnerable senior citizens). I was due to go back to the USA this month, but the infection rates in the USA (especially Florida where we live in the USA now) scare me and they scare the Philippine government also so they granted every foreigner a free extra 180 days of stay ... kinda like an asylum program. I'd rather be baling hay or shoveling out cow barns, but it is not to be for now. Stay healthy, and thanks for helping us stay sane through all this.
Good explanation of how the damaged plants are assessed. Is that applied to the whole field or do they also estimated how many acres are damaged (assuming it hasn't wrecked the whole field)?
It is applied to the whole field. That is why we took leaf samples in three different places in that field and tried to get get a representative sample.
I'm a 'city boy' and greatly appreciate the time you take to teach us about farming. I have learned a lot, including this episode on crop insurance. That brings me to my big question - I hadn't even heard the term Derecho until it hit my area of Virginia a few years ago; now I see it appears to have hit you - so are y'all doing OK? The damage pictures (including a grain elevator laying on the ground) from the storm area are remarkable. I hope y'all had minimal damage and all is well for you and your family and also hope for an 'all is well' video update.
Hey Ross, thanks for checking on us! We missed it by about 30 miles. It’s really ugly. Sorry I took so long to get back to you. We have been super busy the last couple weeks.
Thank You !!!
Thanks!
Very interesting from an old Kansas wheat farmer! So on that test corn plant does she also have to add in all the leaves with zero percent loss? Looks like you can’t just average the damaged leaves?
Correct. You write down how many leaves had damage and what estimate per leaf and then you know how many leaves sustained no damage as well.
Are you guys are Cole the conrstar neighbors🤷🏽♂️
We aren’t too far apart
Another storm today?
Yup
Very informative. From your video it looks like you have enough damage to receive some sort of payment. It would be nice if you got a partial payment now and the final one when there was another determination in the fall. I don't know that the insurance company would let you split the premiums. One in the spring and one in the fall. I don't know.
Hey thanks Justin! Not a big deal when the payment comes. The crop wouldn’t pay us until after harvest anyway. Thanks for watching!
@@dodgebrothersfarmandranch9206 You are welcome. I enjoy learning something new every time I click on your channel.
Now, that was interesting albeit a bit confusing. Can you tell me the approximate percentage of operating cost goes for insurance protection? Can and do you calculate your “break-even” point for each acre?
Hey Curt! I wish I could better answer your question here, but I’m gone this week and I would have to look at some stuff at the office to give you a good answer on that. I’ll try to remember next week!
Like your cap
Thanks a lot me too!
No need to be shy about non-planting subjects in your videos. They're as much a part of farming as sticking a seed in the ground and harvesting the result. No money -- no farm.
Have you are anyone you know had a disagreement with an insurance field agent's assessment? If so is there a mediation process you can go through?
The lady said I was free to dispute her judgments but I felt like she had a better handle on it than I did. Most field agents are extremely reasonable people.
Thanks i
Thanks for watching
Hmm, I'm seeing an app that does pattern recognition on a damaged leaf and calculates the missing portion.
Brilliant!
@@dodgebrothersfarmandranch9206 Now if I can only figure out how to write it.
Get er done
Yeah!
Do you get penalized for claims by higher premiums like with auto insurance?
I don’t think so.
Thanks for the info
Great video
Thanks David