Texas All Lines Adjuster Practice Test

Which of the following conditions must be met for crop insurance to end?

1. Abandonment of the farm

2. Harvesting of the crop

3. Completion of policy review

4. All claims must be resolved

The correct answer is: Harvesting of the crop

The answer is based on the specific terms under which crop insurance policies are structured. Harvesting of the crop signifies a critical point in the agricultural cycle. Once the crop is harvested, the risk associated with it considerably diminishes since the insured event—impacts like weather, pests, or disease—has been resolved through the collection of the crop itself. In many crop insurance plans, the policy provides coverage through the harvest period. Once this process concludes, the insurer's liability typically ends unless there are provisions for additional post-harvest coverage. Therefore, harvesting serves as a primary trigger that marks the end of coverage rather than factors such as abandonment, policy reviews, or unresolved claims, which may not necessarily dictate the conclusion of insurance. Thus, it is the completion of the harvesting process that determines when the insurance policy is considered fulfilled, aligning with standard practices in agricultural insurance.