New WHEAT LOSS INSTRUCTIONS - biz · 2018. 2. 22. · Wheat Loss Instructions ... than 10% of the heads showing any sign of bloom (bloom is defined as when the anthers become visible

CROP-HAIL

WHEAT

LOSS

INSTRUCTIONS

6007 WHEAT – JANUARY 2018

© National Crop Insurance Services, Inc.

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© 2018 National Crop Insurance Services, Inc.

TABLE OF CONTENTS

Page

Wheat Loss Instructions ................................................................................................. 1

Pre-Adjustment Procedure ................................................................................. 1

Normal Adjustment Procedure ......................................................................... 1

Stages of Growth ............................................................................................................ 1

General Instructions ........................................................................................................ 3

Early Losses ....................................................................................................... 3

Deferment of Wheat Losses ............................................................................... 3

Adjustment of Wheat in the Boot Stage ............................................................ 3

Adjusting Procedure for a Regrowth Loss ........................................................ 3

Example #1 – Deferred Loss Report – Regrowth Hail Loss Survey Sheet ................... 4

Field Adjustment Procedure ........................................................................................... 4

Policy Information ............................................................................................. 4

Example #2 – Small Grains Loss Survey Sheet ............................................................. 6

Ground Count Method .................................................................................................... 7

Example #3 – Small Grains Loss Survey Sheet ............................................................. 8

Shatter Loss in Windrow (Swath) .................................................................................. 8

Zones ............................................................................................................................... 9

Zone Map ........................................................................................................................ 10

Wheat Loss Charts (Recoverable Heads) ....................................................................... 12

Second and Subsequent Loss Procedure ........................................................................ 15

Example #4 – Second Loss Example ................................................................ 16

Glossary ......................................................................................................................... 17

Small Grains Loss Survey Sheet NCIS 6011 (blank)

Small Grains – Deferred Loss Report – Regrowth Hail Loss Survey Sheet NCIS 6018 (blank)

©NCIS – JANUARY 2018 1 6007 WHEAT

WHEAT CROP-HAIL LOSS INSTRUCTIONS

As defined in the Crop-Hail Policy Jacket, hail is precipitation in the form of transparent or

partially opaque balls or irregular lumps of concentric ice, and does not include sleet, snow and

frozen or partly frozen rain.

Pre-Adjustment Procedure

Prior to beginning the actual adjustment, the adjuster should have knowledge of the general area crop

conditions and severity of the hailstorm. After contacting and becoming acquainted with the insured,

the adjuster should: (1) determine whether or not there is other insurance on the crop, (2) explain the

adjustment procedure, and (3) make a diagram of the field before entering. Differences in terrain and

intensity of the hail will govern the proposed number of counts and their location. It is essential that

an adequate number of tests be made to determine the actual damage from hail.

Normal Adjustment Procedure

In making that important first count, take ample time to explain the procedure to be used and

determining the location of the first test. Whenever possible, encourage the insured to “participate”

in the adjustment under your supervision. The count will consist of 100 consecutive straws which

would have contributed to the harvested production of the crop. Only damage from hail to productive

straws included in the original count should be considered in determining the actual loss due to hail.

Damage from all other causes should be noted on the worksheet but are not considered in determining

the hail loss.

In fields which have late tillers considerably smaller than the majority of the crop, it must be

determined prior to counting whether the tillers are to be considered as productive or non-productive

plants. If considered productive the tiller must be included in the 100 plant count and the damage

assessed accordingly. If the tillers are to be considered non-productive they are not to be included in

the 100 count or damage assessment.

STAGES OF GROWTH

The stage of growth as of DATE OF LOSS is to be used when applying the loss chart. The following

defines each stage and the average time interval between stages:

NOTE – When conditions exist not covered by these instructions, contact your supervisor.

STAGE DEFINITION AND AVERAGE TIME INTERVAL

Boot and Just Headed At least 50% of the heads are fully emerged from the boot with less

than 10% of the heads showing any sign of bloom (bloom is defined

as when the anthers become visible outside of the glumes). Time

interval to Bloom Stage – 2 days.

Bloom At least 50% of all emerged heads are showing sign of bloom. Time

interval to Milk Stage – 9 days.

6007 WHEAT 2 ©NCIS – JANUARY 2018

Milk When the kernels, in the center portion of at least 50% of the heads,

are crushed a milky, liquid substance emerges. Time interval to Soft

Dough Stage – 10 days.

Soft Dough When the kernels, in the center portion of at least 50% of the heads,

are crushed a white, semi-solid substance emerges. Time interval to

Hard Dough Stage – 11 days.

Hard Dough When the kernels, in the center portion of at least 50% of the heads,

show evidence of a solid, granular substance when crushed, yet with

too great a moisture content to harvest. Time interval to Combine Ripe

Stage – 10 days.

Combine Ripe Wheat has reached a hard, flinty form and will crack rather than be

mashed.

GROWTH STAGES OF WHEAT (Figure 1)

Seedling Tillering Jointing Boot Heading

Arrow shows location of growing point.


GENERAL INSTRUCTIONS

Early Losses

PRIOR TO JOINTING – Although the liability on wheat is in force whenever a normal stand is

clearly visible above the ground, actually no measurable damage by hail will result until the plant

has jointed. The first joint can be identified by a definite firm node, at the lower stem level, beneath

the wrapper leaves. If a problem arises from attempting to explain why there is no loss, cite the fact

that much of the winter wheat is pastured until early spring without detrimental effects.

BEFORE HEADING – Absolutely no circumstances would justify working a wheat loss before

heading unless a withdrawal of claim can be taken. If there is any reasonable doubt as to whether or

not a payable loss exists, the loss should be deferred.

Deferment of Wheat Losses

A good job of deferring a loss is perhaps more involved than working the loss.

1. Explain thoroughly that loss at this time is impossible to determine accurately.

2. DO NOT for any reason tell the insured an estimate of damage. If loss could be accurately

determined at this stage, there would be no need for a deferment.

3. It is important to inspect all fields thoroughly, even though you cannot ascertain loss at the

time of inspection. When an adjuster returns following deferment he often hears, “The first

adjuster did not look at all fields.” Always note the number of acres not damaged at first

inspection.

4. The adjuster should instruct the insured that if the crop is destroyed prior to final adjustment,

samples as specified by the company must be preserved.

5. Complete the NCIS (#6018) Small Grain Deferred Loss Report with special attention to

the type of damage and its severity.

Adjustment of Wheat in the Boot Stage

Make no attempt to adjust a loss “hit in the boot” until adequate time has been allowed for tie-ins to

pull out and develop grain. Remember that wheat will pollinate and kernels will fill even when tied

up in the boot.

Severely “kinked” heads are usually missing only a few kernels.

Bruises to the boot can result in missing kernels. This damage normally appears on only one side of

the head and can be determined only after the plant has headed and kernels fully formed.

Adjusting Procedure for a Regrowth Loss

Plants cut off in the early stages may produce new tillers called regrowth. Such a loss CANNOT be

accurately determined until after the entire crop (including regrowth) has reached at least the soft

dough stage. Use NCIS #6018 Small Grains – Deferred Loss Report – Regrowth Hail Loss Survey

Sheet. (See Example #1.)


The count will consist of 100 consecutive original straws and cutoffs which would have contributed

to the harvested production of the crop. Damage from all other causes should be noted on the

worksheet but are not considered in determining the hail loss. ORIGINAL straws can normally be

distinguished from REGROWTH straws by height, size of head, maturity, etc.

When making a test, select a representative row, pull a complete stool, count the stubs, ORIGINAL

straws and REGROWTH straws. Set the stool aside so the kernels can later be counted for completing

the test.

Example #1

© NCIS 6018 ‘98

FIELD ADJUSTMENT PROCEDURE

Policy Information

Adjuster should fully complete the headings on the NCIS 6011 survey sheet and supply all

information.

Adjuster should be certain policy item number on the survey sheet corresponds with the policy item

being worked. BE SURE to record the zone number and the factors as shown on pages 12-14.


The number of acres of any item should correspond with the number of acres specified in the policy.

In case a field must be divided for any reason (partial loss, partially harvested, etc.) record the original

number of acres on the left side of the vertical line, then cross out this number and record the number

of acres paid on the right side of the vertical line. Example: 80 | 50. Also, the adjuster should record

the information on the lines below the ‘Stage of Growth’ section. ADJUSTER SHOULD

ASCERTAIN THE CORRECT STAGE OF GROWTH AS OF THE DATE OF LOSS AND THE

DATE OF ADJUSTMENT.

COLUMN

A. (See Example #2) Record the height of the crop and the height of the agreed cutting line.

The amount of damage, condition of the crop, anticipated harvesting procedure and terrain

are factors, which may be considered in establishing the cutting line. Where economically

feasible, the crop will be cut as low as necessary to recover the greatest number of heads.

B. Record all straws broken by hail with heads hanging below the cutting line. All heads

removed by hail and any heads hit in the boot which did not produce any grain are

considered as non-recoverable heads and should also be included in this count.

C. Above the diagonal line, record the number of recoverable heads on straws, which have

been broken by hail above the flag leaf. Below the diagonal line, record the

number of recoverable heads on straws broken by hail below the flag leaf.

D. By using the ‘Loss Chart for Recoverable Heads’ for the applicable state and zone, ascertain

the resultant hail loss on recoverable heads. If the Loss Chart is not available, multiply the

number of hail breaks above the flag leaf (as recorded above the diagonal line in Column

‘C’) by the correct factor. Repeat the procedure for breaks below the flag leaf as recorded

below the diagonal line. These results should be recorded above and below the diagonal

line in Column ‘D’. (See factor chart in these instructions.)

E. Add Column ‘B’ and the total of Column ‘D’ and record in Column ‘E’.

F. Subtract the percent in Column ‘E’ from 100 to arrive at the Percent Crop Remaining and

record in Column ‘F.’

G. From a sample of ten representative heads, count the original number of kernels and record

in Column ‘G.’

H. Count the number of kernels missing from those same ten representative heads and record

in Column ‘H.’

I. Divide the number of missing kernels in Column ‘H’ by the original number of kernels in

Column ‘G’ to obtain the Gross Shatter Percent. Record the Gross Shatter Percent above

the diagonal line in Column ‘I.’ To arrive at Net Shatter Percent, multiply Gross Shatter

Percent times remaining crop in Column ‘F.’ Enter Net Shatter Percent below the diagonal

line in Column ‘I.’

J. The actual percent loss (Column ‘J’) is obtained by adding Column ‘E’ to the Net Shatter

figure in Column ‘I.’ (See Example #2).

X X

X


Example #2

© NCIS 6011 01/2018

© NCIS 7005 ‘14

.20 .2125

Test 1 250 50 Test 2 240 51

.1716 .2090

Test 3 233 40 Test 4 244 51


Ground Count Method

Occasionally it will be necessary to determine loss following harvest or to substantiate loss found by

the above procedure. This can be accomplished by counting 100 stalks or “stubs” per row (if

harvested) over a minimum of four rows. Caution should be used to only include those heads lost

due to hail.

Step 1: Count the total number of kernels on the ground in the test area. This include all

kernels found on heads on the ground in the test area.

Step 2: Divide the total kernels determined in Step 1 by the number of rows in the test area

(e.g., 4) to arrive at the kernels missing per 100 heads.

Step 3: Divide the kernels missing per 100 heads determined in Step 2 by 10 to determine

kernels lost per 10 heads. Enter the result in Column H.

Step 4: Determine the total number of original kernels on 10 representative heads and enter in

Column G.

Example #3 (using a 4-row test area)

Step 1: Collected 405 kernels on the ground plus 150 kernels from heads on the ground for a

total of 555 kernels.

Step 2: 555 ÷ 4 rows = 138.75 rounds to 139 kernels missing per 100 heads

Step 3: 139 ÷ 10 = 13.9 kernels lost per 10 heads. Enter in Column H.

Step 4: Determined 220 original kernels on 10 representative heads. Enter in Column G.

(See Small Grains Loss Survey Sheet for Example #3 on the following page.)

FIGURE 2 DISTANCE REPRESENTING 100 STRAWS IN ONE ROW

TEST ROW

TEST ROW

TEST ROW

TEST ROW

ADJACENT ROW


Example #3

© NCIS 6011 01/2018

Shatter Loss in Windrow (Swath)

For each test, select a random sample of at least 10 heads from each of the top, middle and bottom of

the windrow. Proceed to determine the average percent shatter loss as if the crop had been standing.


Zones

1 2 3 4 5 1 2 3 4 5

State: (Spring) (Spring) (Semi-

Dwarf) State: (Spring) (Spring)

(Semi-

Dwarf)

Alabama X North Carolina X

Arizona X North Dakota

Arkansas X Dickey, LaMoure, Stutsman

California X Foster, Eddy, Benson,

Colorado X Towner & counties East X

(Winter) X

Connecticut X Remainder of State X

(Winter) X

Delaware X Ohio X

Florida X Oklahoma

Georgia X Osage, Pawnee, Payne,

Idaho X X Lincoln, Cleveland, Garvin,

Illinois X Stephens, Jefferson

Indiana X & counties East X

Iowa X Remainder of State X

Kansas Oregon X X

Marshall, Pottawatomie, Pennsylvania X

Wabaunsee, Lyon, Rhode Island X

Greenwood, Elk, South Carolina X

Chautauqua South Dakota

& counties East X Bon Homme, Hutchinson,

Remainder of State X Davison, Sanborn, Beadle,

Kentucky X Spink, Brown

Louisiana X & counties East X

(Winter) X

Maine X Remainder of State X

(Winter) X

Maryland X Tennessee X

Massachusetts X Texas

Michigan X Montague, Wise, Parker,

Minnesota X

(Winter) X Hood, Somervell, Bosque,

Mississippi X Coryell, Bell, Williamson,

Missouri X Travis, Hays, Comal, Bexar,

Montana X

(Winter) X Atascosa, McMullen, Duval,

Nebraska Jim Hogg, Starr

Gage, Lancaster, Saunders, & counties East X

Dodge, Burt & counties Remainder of State X

East X Utah X X

Remainder of State X Vermont X

Nevada X X Virginia X

New Hampshire X Washington X X

New Jersey X West Virginia X

New Mexico X Wisconsin X

New York X Wyoming X

NOTE: States in Zones in addition to those shown on map.

Idaho – Zone 4 (spring) Oregon – Zone 4 (spring)

Minnesota – Zone 1 (winter) South Dakota – Zones 1 and 2 (winter)

Montana – Zone 2 (winter) Utah – Zone 4 (spring)

Nevada – Zone 4 (spring) Washington – Zone 4 (spring)

North Dakota – Zones 1 and 2 (winter)

Zone 3

Zone 1 Zone 2

Zone 4

Zone 5

6007 W

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Detail for States Divided Between Zones 1 and 2

And States Divided Between Zones 3 and 4

ZONE 2 Counties left (west) of line

ND, SD, NE, KS, OK & TX

ZONE 1 Counties right (east) of line

ND, SD, NE, KS, OK & TX

ZONE 4 Counties left (west) of line

ND & SD

ZONE 3 Counties right (east) of line

ND & SD


Wheat Loss Charts (RECOVERABLE HEADS)

Choose the proper zone. Determine the number of Recoverable Heads with culms broken above, as well

as those broken below the Flag Leaf. For a number of Heads Broken Over greater than 10, such as 13, add

the figures for 10 and 3 together to arrive at Percent of Loss. For a number such as 34 Heads Broken Over,

adding the Percent of Loss allowed for 3 Heads Broken Over multiplied by 10 added to Percent of Loss

allowed for 4 Heads Broken Over will give the correct answer.

ZONE 1 Number of Heads Broken Over ABOVE Flag Leaf Stages of Growth Number of Heads Broken Over BELOW Flag Leaf

10 9 8 7 6 5 4 3 2 1 1 2 3 4 5 6 7 8 9 10

% Loss % Loss

8 7.2 6.4 5.6 4.8 4 3.2 2.4 1.6 .8 Boot & Just Headed .5 1 1.5 2 2.5 3 3.5 4 4.5 5

6 5.4 4.8 4.2 3.6 3 2.4 1.8 1.2 .6 Bloom .4 .8 1.2 1.6 2 2.4 2.8 3.2 3.6 4

4 3.6 3.2 2.8 2.4 2 1.6 1.2 .8 .4 Milk .3 .6 .9 1.2 1.5 1.8 2.1 2.4 2.7 3

3 2.7 2.4 2.1 1.8 1.5 1.2 .9 .6 .3 Soft Dough .2 .4 .6 .8 1 1.2 1.4 1.6 1.8 2

2 1.8 1.6 1.4 1.2 1 .8 .6 .4 .2 Hard Dough .1 .2 .3 .4 .5 .6 .7 .8 .9 1

1 .9 .8 .7 .6 .5 .4 .3 .2 .1 Combine Ripe 0 .1 .2 .2 .3 .3 .4 .4 .5 .5

Factors

ZONE 2 Number of Heads Broken Over ABOVE Flag Leaf Stages of Growth Number of Heads Broken Over BELOW Flag Leaf

10 9 8 7 6 5 4 3 2 1 1 2 3 4 5 6 7 8 9 10

% Loss % Loss

10 9 8 7 6 5 4 3 2 1 Boot & Just Headed .5 1 1.5 2 2.5 3 3.5 4 4.5 5

8 7.2 6.4 5.6 4.8 4 3.2 2.4 1.6 .8 Bloom .4 .8 1.2 1.6 2 2.4 2.8 3.2 3.6 4

7 6.3 5.6 4.9 4.2 3.5 2.8 2.1 1.4 .7 Milk .3 .6 .9 1.2 1.5 1.8 2.1 2.4 2.7 3

6 5.4 4.8 4.2 3.6 3 2.4 1.8 1.2 .6 Soft Dough .2 .4 .6 .8 1 1.2 1.4 1.6 1.8 2

5 4.5 4 3.5 3 2.5 2 1.5 1 .5 Hard Dough .1 .2 .3 .4 .5 .6 .7 .8 .9 1

1 .9 .8 .7 .6 .5 .4 .3 .2 .1 Combine Ripe 0 .1 .2 .2 .3 .3 .4 .4 .5 .5

Factors


ZONE 3

(Spring Wheat Only)

Number of Heads Broken Over ABOVE Flag Leaf Stages of Growth Number of Heads Broken Over BELOW Flag Leaf

10 9 8 7 6 5 4 3 2 1 1 2 3 4 5 6 7 8 9 10

% Loss % Loss

6 5.4 4.8 4.2 3.6 3 2.4 1.8 1.2 .6 Boot & Just Headed .5 1 1.5 2 2.5 3 3.5 4 4.5 5

5 4.5 4 3.5 3 2.5 2 1.5 1 .5 Bloom .4 .8 1.2 1.6 2 2.4 2.8 3.2 3.6 4

4 3.6 3.2 2.8 2.4 2 1.6 1.2 .8 .4 Milk .3 .6 .9 1.2 1.5 1.8 2.1 2.4 2.7 3

3 2.7 2.4 2.1 1.8 1.5 1.2 .9 .6 .3 Soft Dough .2 .4 .6 .8 1 1.2 1.4 1.6 1.8 2

2 1.8 1.6 1.4 1.2 1 .8 .6 .4 .2 Hard Dough .1 .2 .3 .4 .5 .6 .7 .8 .9 1

Factors

ZONE 4

(Spring Wheat Only)


10 9 8 7 6 5 4 3 2 1 1 2 3 4 5 6 7 8 9 10

% Loss % Loss

8 7.2 6.4 5.6 4.8 4 3.2 2.4 1.6 .8 Boot & Just Headed .6 1.2 1.8 2.4 3.0 3.6 4.2 4.8 5.4 6

7 6.3 5.6 4.9 4.2 3.5 2.8 2.1 1.4 .7 Bloom .5 1 1.5 2 2.5 3 3.5 4 4.5 5

6 5.4 4.8 4.2 3.6 3 2.4 1.8 1.2 .6 Milk .4 .8 1.2 1.6 2 2.4 2.8 3.2 3.6 4

5 4.5 4 3.5 3 2.5 2 1.5 1 .5 Soft Dough .3 .6 .9 1.2 1.5 1.8 2.1 2.4 2.7 3

4 3.6 3.2 2.8 2.4 2 1.6 1.2 .8 .4 Hard Dough .2 .4 .6 .8 1 1.2 1.4 1.6 1.8 2

3 2.7 2.4 2.1 1.8 1.5 1.2 .9 .6 .3 Combine Ripe .1 .2 .3 .4 .5 .6 .7 .8 .9 1

Factors


ZONE 5

(Winter Wheat – Semi-dwarf Types)

COMMON WHEAT VARIETES


10 9 8 7 6 5 4 3 2 1 1 2 3 4 5 6 7 8 9 10

% Loss % Loss

Boot .3 .6 .9 1.2 1.5 1.8 2.1 2.4 2.7 3.0

2.5 2.2 2.0 1.7 1.5 1.2 1.0 .7 .5 .2 Bloom .2 .5 .7 1.0 1.2 1.5 1.7 2.0 2.2 2.5

2.5 2.2 2.0 1.7 1.5 1.2 1.0 .7 .5 .2 Milk .2 .5 .7 1.0 1.2 1.5 1.7 2.0 2.2 2.5

1.5 1.3 1.2 1.0 .9 .7 .6 .4 .3 .1 Soft Dough .1 .3 .4 .6 .7 .9 1.0 1.2 1.3 1.5

1.0 .9 .8 .7 .6 .5 .4 .3 .2 .1 Hard Dough .1 .2 .3 .4 .5 .6 .7 .8 .9 1.0

Factors

ZONE 5

CLUB WHEAT VARIETIES


10 9 8 7 6 5 4 3 2 1 1 2 3 4 5 6 7 8 9 10

% Loss % Loss

Boot .4 .8 1.2 1.6 2.0 2.4 2.8 3.2 3.6 4.0

3.5 3.1 2.8 2.4 2.1 1.7 1.4 1.0 .7 .3 Bloom .3 .7 1.0 1.4 1.7 2.1 2.4 2.8 3.1 3.5

3.5 3.1 2.8 2.4 2.1 1.7 1.4 1.0 .7 .3 Milk .3 .7 1.0 1.4 1.7 2.1 2.4 2.8 3.1 3.5

2.5 2.2 2.0 1.7 1.5 1.2 1.0 .7 .5 .2 Soft Dough .2 .5 .7 1.0 1.2 1.5 1.7 2.0 2.2 2.5

1.5 1.3 1.2 1.0 .9 .7 .6 .4 .3 .1 Hard Dough .1 .3 .4 .6 .7 .9 1.0 1.2 1.3 1.5

Factors


SECOND AND SUBSEQUENT LOSS PROCEDURE

A second or subsequent loss should be worked and recorded in the following manner:

When a second or subsequent loss occurs after an earlier loss has been adjusted, use the following

procedure:

1. Determine the cumulative damage (non-recoverable heads, high breaks, low breaks

and kernels missing) from all the storms and evaluate the damage at the stage of

growth for the most recent storm.

2. Subtract the percentage of loss from the prior storm(s) from the cumulative percent

of loss to determine the percent of loss for the most recent storm.

3. The percentage of loss for the most recent storm should be applied to the original

limit of insurance.


Example #4

First Loss

© NCIS 6011 01/2018

Second Loss

© NCIS 6011 01/2018

Example:

First storm loss is 30.1%

Second storm cumulative loss is 34.9%

Percentage of loss for the second storm is 4.8% (34.9% – 30.1% = 4.8%)


GLOSSARY

ANTHER – A structure at the tip of a stamen

in which the pollen grains are produced.

ANTHESIS – The period during which the

floret is open and the anthers are extended

from the glumes.

AURICLES – Ear-shaped appendages at the

base of leaf blades.

AWN – The beard or bristle extending from the

tip or back of the lemma.

BLADE – The part of the leaf above the sheath.

BOOT – The top of leaf sheath.

BOOT STAGE – The growth stage at which

inflorescence expands the boot.

CHLOROPLAST – A structure within a cell,

usually green in color due to the presence of

chlorophyll, within which photosynthesis

takes place.

CHLOROPHYLL – The green coloring matter

of plant cells which takes part in the process

of photosynthesis.

COLEOPTILE – A sheath covering the first

leaves of a cereal seedling and blade.

COLLAR – The thickened area at the junction

of the sheath and blade.

CULM – The stem, including nodes and

internodes.

DORMANT – Being in a state of reduced

activity in which neither cell division nor

growth takes place and in which metabolic

activities like respiration are reduced to a

minimal rate.

ENDOSPERM – The interior food storage area

of a kernel.

EPIDERMIS – A protective tissue on the outer

surface of leaves, young roots, stems and all

plant parts.

FLORET – The flower plus the lemma and

palea.

FLOWER – The reproductive structure of a

floret, not including the lemma and palea.

GROAT – An oat kernel with the hull removed

(caryopsis).

HULL – The lemma and palea covering the

caryopsis such as in barley and oats.

HYBRID – The offspring of two parents unlike

in one or more hereditable characters.

IMPERFECT – Flower lacking either stamens

or pistils.

INFLORESCENCE – A group of spikelets

forming the flowering part of plants.

INTERNODE – The part of a stem or a branch

between two nodes.

JOINT – A node.

KERNEL – The seed of a cereal.

LEAF – The lateral branch of a stem.

LEMMA – The outer (lower) bract of a floret.

LIGULE – A membranous projection at the top

of the inner side of a sheath.

LODICULE – The organs at the base of the

ovary of a cereal floret that swell and force

the lemma and palea open during anthesis.

NODE – The joint of a stem where a leaf is

attached.

NON-PRODUCTIVE PLANTS – Those plants

which for any reason will not appreciably

contribute to the harvested production of the

crop.

OVARY – Basal portion of a pistil in which the

embryo or seed develops.

PANICLE – A loose, diversely branching

flower cluster (i.e., a panicle of oats).

PERFECT FLOWERS – Flowers containing

both stamens and pistils.

PERICARP – The outer covering of a kernel.

PHOTOSYNTHESIS – A process by which

carbon dioxide and water are converted to

food and oxygen in the presence of

chlorophyll, utilizing the energy of light.

PISTIL – The female structure of a flower,

consisting of the ovary, style and stigma.

POLLEN – The male germ cells produced in

the anthers.

POLLINATION – The transfer of pollen from

the anther to the stigma.

PRODUCTIVE PLANTS – Those plants

which will contribute to the harvested

production of the crop.

RACHILLA – The axis of a spikelet.

RACHIS – The axis of a spike.

RADICLE – The embryonic root of a

germinating seed.

RESPIRATION – A process constantly going

on in every living cell by which food is


broken down into carbon dioxide and water

with a release of useable energy.

ROOT – The below ground part of the plant

which lacks nodes.

ROOT CAP – A mass of cells protecting the tip

of a root.

ROOT HAIR – A single-celled protrusion of an

epidermal cell of a young root.

SEED – A dormant embryo enclosed in a seed

coat with the endosperm containing food

reserves necessary for its germination.

SEEDLING – The early growth stage of a

plant.

SEMINAL ROOTS – Roots developing below

the first node of the embryo.

SHEATH – The lower part of the leaf that

encloses the stem.

SPIKE – An unbranched inflorescence in

which the spikelets are attached directly to

the rachis.

SPIKELET – The unit of inflorescence

consisting of two glumes and one or more

florets.

STAMEN – The pollen bearing organ of a

flower.

STERILE – Incapable of sexual reproduction.

STIGMA – The receptive portion of the style

to which the pollen adheres

STYLE – The slender part of the pistil

supporting the stigma.

TILLER – An erect shoot arising from buds in

the crown.

TRANSLOCATION – Movement of food,

water and nutrients from one part of the plant

to another.

TRANSPIRATION – The loss of water

through plant tissue, primarily the open

stomata.

VARIETY – A population of plants having

many characteristics in common; a variety

may be a pure line or a mixture of pure lines.

VIABLE – Having life; viable seed is thus live

seed.

SMALL GRAINS LOSS SURVEY SHEET

Insured

Policy No. Loss No.

The

Insurance Co.

Date of Loss

ZONE

A

B C D E F G H I J

Height of Crop

Height of Cutting

Line

Number of Hail

Breaks, Heads

NOT Re- coverable

Number of Hail

Breaks, Heads

Recover- able

Resultant Hail Loss on Recov-

erable Heads (Chart)

Total Loss on Non- Recover- able AND Recover-

able Heads B + D

Percent Crop

Remaining 100 - E

Number Kernels

10 Heads

Number Kernels Missing

10 Heads

Gross % H G

F x I

Net %

Actual % of

Hail Loss E + I

Designate location of test by numeral

Qr. ___ Sec. ___ Twp. ___ Range ___

Policy Item

No. 1

No.

Acres 2

Kind

of Crop 3

Variety 4

STAGE OF GROWTH

5

(At Date of Loss)

6

No. Tests % Loss (At Date of Adjustment)

No. acres not payable: Harvested: Total

Damage other than hail:

Crop conditions: Good Fair Poor

ZONE

A

B C D E F G H I J

Height of Crop

Height of Cutting

Line

Number of Hail

Breaks, Heads

NOT Re- coverable

Number of Hail

Breaks, Heads

Recover- able




able Heads B + D

Percent Crop

Remaining 100 - E

Number Kernels

10 Heads


10 Heads

Gross % H G

F x I

Net %

Actual % of

Hail Loss E + I


Qr. ___ Sec. ___ Twp. ___ Range ___

Policy Item

No. 1

No.

Acres 2

Kind

of Crop 3

Variety 4

STAGE OF GROWTH

5

(At Date of Loss)

6





ZONE

A

B C D E F G H I J

Height of Crop

Height of Cutting

Line

Number of Hail

Breaks, Heads

NOT Re- coverable

Number of Hail

Breaks, Heads

Recover- able




able Heads B + D

Percent Crop

Remaining 100 - E

Number Kernels

10 Heads


10 Heads

Gross % H G

F x I

Net %

Actual % of

Hail Loss E + I


Qr. ___ Sec. ___ Twp. ___ Range ___

Policy Item

No. 1

No.

Acres 2

Kind

of Crop 3

Variety 4

STAGE OF GROWTH

5

(At Date of Loss)

6





Date _______________ , ______ , ____________o’clock ____ M. ___________________________________ ___________________________________ (Date/Time) (Adjuster) (Insured)

© NCIS 6011 01/2018

SMALL GRAINS – DEFERRED LOSS REPORT – REGROWTH HAIL LOSS SURVEY SHEET

INSURED POLICY NO. LOSS NO.

INSURANCE CO. DATE OF LOSS


Qtr_____Sec_____Twp_____Rge_____

No. of Acres Kind of Crop Item No. Stage of Growth at time of Loss Stage of Growth at time of Deferment Height of Crop

Stage of Growth at time of Adjustment

Test No. 1 2 3 4 5 6

A No. of ORIGINAL straws CUT

OFF based on 100 straws

B No. of ORIGINAL straws NOT

CUT OFF based on 100 straws

C No of REGROWTH heads

Harvestable

D No. of Kernels MISSING, in all

heads counted

Adjuster’s Comments:

E Total No. of ORIGINAL and CUT

OFF straws A + B

Date recommended for Adjustment?

F Average No. of Kernels per

ORIGINAL head

Are growing conditions favorable for recovery?

G Average No. of Kernels per

REGROWTH head

H No. of Kernels in REMAINING

ORIGINAL crop B x F

Insect and/or disease damage?

I No. of Kernels in REGROWTH

Crop C x G

J Total No. Kernels in ORIGINAL

and REGROWTH H + I

Additional Remarks:

K No. of Kernels missing in ALL

heads counted D

L Total No. Kernels PRODUCED

J – K

Date of Inspection , Year

M SHOULD HAVE PRODUCED

E X F

Adjuster(s)

N Total No. Kernels PRODUCED

L

Insured

O Total No. of Kernels LOST

M – N

Date of Adjustment , Year Time M

PERCENT OF LOSS

O ÷ M

Adjuster(s)

Insured

Average of Tests PERCENT LOSS

on Acres © NCIS 6018 ‘98

AT TIME OF ADJUSTMENT –

COMPLETE A THROUGH 0

Test 100 Straw Number distance 1 __________Ft.

2 __________Ft.

3 __________Ft.

4 __________Ft.

5 __________Ft.

Documents

New WHEAT LOSS INSTRUCTIONS - biz · 2018. 2. 22. · Wheat Loss Instructions ... than 10% of the heads showing any sign of bloom (bloom is defined as when the anthers become visible