Texas Cotton: Remember the 15-Day ‘Replant Rule’ for Insurance Decisions

Cotton seedling: Photo: Debra L Ferguson

Producers across the High Plains have struggled to complete cotton planting activity as frequent rainfall events have caused intermittent planting delays, damaged existing stands and increased seedling disease in many fields.

Many growers are evaluating their options as they work to complete planting or determine which acres will be turned into insurance and possibly replanted. Generally it is expected that they will try to reestablish damaged stands through the end of any applicable late planting period when field conditions permit.

RMA Rule – Important to Keep in Mind

The Risk Management Agency (RMA) primary rule change in 2018 impacts the timing of when cotton can be planted behind a failed, initially planted, cotton crop.  A grower who wants to plant cotton after losing their first insured cotton crop is required to wait a minimum of 15 days after the final planting date for their county for the crop to be considered an uninsured second crop.

Cotton planted after the 15th day will be considered a replanted crop under the original policy and delay any potential indemnity from being processed.


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Fields that have been planted and subsequently damaged by heavy rains, hail or other causes will need to be evaluated for stand viability. At this point the producer can either submit their claim to insurance and schedule an appraisal or request permission from their AIP to replant.

Acreage damaged during the late planting period and instances where field conditions prohibit replanting typically will be scheduled for adjustment so that the producer can determine whether they want to keep the existing stand or fail the acres.


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