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North Central Illinois | What about ethics?
Chemical damage is not an insured peril, but you don't lose all coverage. Went through this with my insurance company last year. I was told to segregate harvest from a representative undamaged portion of the field and that would be used to determine the "yield" of that unit. If it triggered a claim, the entire field would be paid on that level if yield on the damaged portion was less. So, if yield trigger is 40, undamaged portion yields 35 and damaged yields 30, they treat it as if the whole field made 35.
In IL, the state inspector will take a tissue sample and test it for chemical presence. They will determine if there is indeed chemical damage. So, if you report it as suspected chemical damage, but the tests say otherwise, insurance coverage doesn't change.
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What happens when you call the state chemist on dicambia drift/volitization damage? (Indiana)
