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Calcimator

Crop Insurance Loss Claim Calculator

Yield loss percent for claim estimate.

Inputs

%

Results

Yield loss (%)

33.3

Total indemnity ($)

$13,200.00

≈ 9 months of rent

Guaranteed yield (bu/acre)135
Yield shortfall (bu/acre)15
Net benefit ($)$11,280.00
Deductible (%)25
Revenue Guarantee$118,800.00
Actual Revenue$105,600.00
How to Use This Calculator
  1. Enter the insured crop, coverage level, and APH yield.
  2. Set the actual harvest yield per acre from field measurements.
  3. Input the projected price at planting and total insured acres.
  4. Review the calculated indemnity payment per acre and total claim amount.
  5. Compare to your adjuster estimate and document any discrepancies.

How the result changes with APH yield (bu/acre)

APH yield (bu/acre)Yield loss (%)Total indemnity ($)
51-135.3$0.00
17631.8$10,560.00
32563.1$108,900.00
45073.3$191,400.00

What each input means

APH yield (bu/acre)
Your Actual Production History average yield per acre.
Coverage level (%)
Elected coverage level (50%-85%). Higher = lower deductible.
Elected price ($/bu)
Price election from your crop insurance policy (projected price or harvest price).
Actual yield (bu/acre)
Harvested yield per acre for this crop year.
Insured acres
Total acres covered under the policy.
Premium paid ($/acre)
Your share of the insurance premium per acre (after subsidy).

What each result means

Guaranteed yield (bu/acre)
APH yield multiplied by coverage level.
Yield shortfall (bu/acre)
Bushels per acre below the guarantee.
Yield loss (%)
Percentage yield loss relative to APH.
Total indemnity ($)
Estimated insurance payment for the claim.
Net benefit ($)
Indemnity minus premium paid. Your net financial recovery.
Deductible (%)
Percentage of loss you absorb before coverage kicks in.

How this is calculated

Worked example, using the default values

  1. Identify Input Parameters
    4 parameters
    APH yield (bu/acre) = 180, Coverage level (%) = 75, Elected price ($/bu) = 5.5, Actual yield (bu/acre) = 120 = 6 input(s) provided
  2. Calculate Yield loss
    33.3 = 33.3
  3. Calculate Total indemnity
    Total indemnity = indemnityPerAcre * insuredAcres
    13200 = $13,200
  4. Calculate Guaranteed yield
    Guaranteed yield = aphYield * (coverageLevelPct / 100)
    135 = 135
  5. Calculate Yield shortfall
    Yield shortfall
    15 = 15

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