Florida Fruit Tree

Avocado, Carambola, Citrus* and Mango trees in designated Florida counties are insurable if:

• The actuarial documents provide premium rates, or by written agreement;
• They are grown to produce a commodity intended to be sold as fruit or juice for human consumption; and
• You have a share in the crop.

*Citrus trees include grapefruit, lemon, lime, mandarin/tangerine, orange, tangelo and tangor trees.

You are protected against the following:

• Excess moisture;
• Flooding due to high groundwater levels, if allowed by the special provisions;
• Freeze; or
• Wind.

For carryover policies, insurance coverage begins for each crop year on June 1 when an acreage report is submitted by the sales closing date. For new policyholders, insurance coverage begins:

• June 1 when a newly completed application is received by the sales closing date and all other policy requirements are met; or
• 45 days after the company receives your completed application for applications received after the sales closing date, subject to all other requirements of the policy.

The insurance period ends with the earliest occurrence of one of the following:

• May 31; or
• The total destruction of insured trees on the unit.

The premium subsidy percentages and available coverage levels, if electing basic units, are shown below. Your share of the premium will be 100 percent minus the subsidy amount.

Catastrophic Risk Protection (CAT) coverage is fixed at 50 percent of your average yield and 55 percent of the price election. The cost for CAT coverage is an administrative fee of $655, per crop per county.

If a damage or loss occurs you must:

• Protect the crop from further damage by providing sufficient care;
• Not prune or remove any damaged trees until we have inspected the unit.
• Notify your crop insurance agent within 72 hours of your initial discovery of damage, but not later than 15 days after the end of the insurance period; and
  • Submit a claim for indemnity declaring the amount of your loss not later than 60 days after the end of the insurance period, or
  • If the amount of damage cannot be determined until after the insurance period, not later than twelve months after the end of the insurance period.

Basic and optional units are available as outlined in the crop policy and according to acreage minimums in the actuarial documents.

Basic Units — A basic unit will be divided into additional basic units by each fruit tree crop. Premium discounts apply.

Optional Units — May be elected if minimum qualifications are met. You may qualify for optional units if you have fruit tree groves on two or more parcels of non-contiguous land, or you have separate identifiable blocks on contiguous land. Separate optional units on contiguous land must meet the minimum number of acres of trees specified in the actuarial documents.

You may buy crop insurance coverage under one of the insurance plans offered: Tree Based Dollar Plan or Catastrophic Risk Protection.

For an additional premium, you may choose the Occurrence Loss Option when you apply for insurance or by the sales closing date, if you already have insurance. An indemnity may be paid under this option if the amount of insured damage within the unit is at least five percent. This option is not available with CAT.

For an additional premium, the Comprehensive Tree Value (CTV) Endorsement provides supplemental coverage for eligible trees. You must choose the CTV endorsement when you apply for insurance or by the sales closing date, if you already have insurance. Trees must be reported on the acreage report by stage-block and tree sub-type. This endorsement is not available for carambola, lemon, lime, mango, stage I trees, or with CAT.

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