Crop Insurance Today Third Quarter 2021 - 5

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2020 NCIS Agronomic
Research Results
By Drs. Mark Zarnstorff and James Houx, NCIS
In 1923, the Western Hail and Adjustment Association,
a predecessor to NCIS, began researching
the agronomics of crops. Cotton research, first
at Clemson University (1923) and then at Alabama
Polytechnic University (which later became
Auburn University) was not focused on crop
damage but rather to determine appropriate row
spacing, plant populations, and planting dates.
Five years later, the first research projects began
to focus on hail damage, specifically defoliation,
to corn in the Midwest. An Iowa State University
project began in 1928 and another began at the
University of Nebraska began in 1929.
As the agronomic research program grew,
additional crops were added, and regions were
expanded. Cereal crops-barley, oats, wheat-
searched over the last 90 years has included:
canola, soybeans, lentils, chilies, millet, popcorn,
and many others.
Updates to, or new loss adjustment procedures
originate from the NCIS Agriculture
Research program under the direction of the
NCIS Board of Directors. The projects are conducted
at university experiment stations and
agricultural colleges across the United States,
as well as some locations in Canada. Projects
are typically conducted for at least three years;
however, if for some reason the results cannot
be obtained for one or more years, the project
may be extended.
To understand the crops and appraisal methods
that need to be researched, NCIS relies on
company field adjusters, claims supervisors,
and university researchers for advice. The NCIS
research program then focuses on designing experiments
that will result in data to produce upto-date,
consistent, and timely loss adjustment
procedures. NCIS currently has 12 research projects
across 10 states, from Washington to Ohio
and in Saskatchewan, Canada.
In 2020, NCIS performed research on corn, grain sorghum, industrial hemp, peanut, popcorn,
potato, sugar beet, sweet corn, and wheat. The results are summarized below and are preliminary.
It is important that these results are not used exclusively, but combined with results from previous
years' research, and any subsequent evaluations, to provide the best loss adjustment procedures
for NCIS members.
TABLE 1
Effect of Multiple Defoliation Events on Corn Production
Minnesota-3 Year Average
Stage of 50% Defoliation
1st Defoliation 2nd Defoliation
10-Leaf
15-Leaf
Blister
Milk
Soft Dough
10-Leaf
10-Leaf
10-Leaf
15-Leaf
15-Leaf
15-Leaf
TABLE 2
Effect of Multiple Defoliation Events on Corn Production
Ohio-3 Year Average
Stage of 50% Defoliation
1st Defoliation 2nd Defoliation
10-Leaf
15-Leaf
Blister
Milk
Soft Dough
10-Leaf
10-Leaf
10-Leaf
15-Leaf
15-Leaf
15-Leaf
-
-
-
-
-
Blister
Milk
Soft Dough
Blister
Milk
Soft Dough
Loss (%)
Appraised Measured
6
7
15
22
18
12
25
22
16
28
26
22
13
23
14
7
22
20
15
24
24
20
Difference
-1
2
-1
4
4
3
2
1
4
2
2
Significantly
Different?
No
No
No
No
No
No
No
No
No
No
No
CROPINSURANCE TODAY®
5
-
-
-
-
-
Blister
Milk
Soft Dough
Blister
Milk
Soft Dough
Loss (%)
Appraised Measured
6
3
15
22
18
12
25
22
16
28
26
22
18
18
16
17
20
21
15
31
32
23
Difference
3
-3
4
2
-5
5
1
1
3
-6
-1
Significantly
Different?
No
No
No
No
No
No
No
No
No
No
No
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Crop Insurance Today Third Quarter 2021

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