What to do in case of damage?
If the farmer has insured crops through the mediation of an employee of UADBB ”Agrorisk brokers”, in the event of damage to plants caused by meteorological phenomena, the farmer must immediately notify the employees of UADBB ”Agrorisk brokers” or “VH Lietuva” insurance company about the damage, informing about the date of the event, by mail, telephone, e-mail , the nature of the violations and the identification numbers of the affected fields.
“VH Lietuva” employees appoint two damage experts to assess the losses suffered by the farmer.
Damage experts contact the farmer and inspect the plants together with him at an agreed time. They determine the amount of damage as a percentage during the initial inspection or final assessment. If the farmer agrees with the amount of damage determined by the experts, he confirms it by signing the damage adjustment protocol. The insurance payment is transferred within a period of two weeks, but not before all assessment data has been compiled and confirmed.
Insured risks
Hail is a solid precipitation with the shape of ice cubes, at least 5 mm in diameter. Rain is a short heavy rain with an average of more than 15 liters of precipitation per square meter (15 mm) in 15 minutes, or rain with more than 50 liters of precipitation per square meter (50 mm) per day. Frostbite is damage caused by frost, especially intermittent frost, baldness and severe frost, as well as snow and ice cover damage to winter crops. Cooling of the air temperature below 0 ̊C is considered cold. Natural drought is a lack of precipitation caused by meteorological conditions in a certain area of a crop area. A natural drought is considered to have occurred if a natural drought is determined for a certain municipality on the basis of the Government of the Republic of Lithuania Resolution No. 1313 (08.12.2008).
Signs of damage
In the case of frostbite, damage that occurs when wintering plants or parts of plants during the winter freeze, dry out or wither is prohibited.
Hail damage is one that occurs when plants or parts of plants are broken, chopped, bent, broken or destroyed by pieces of hail (ice cream).
In the event of rain, plants or parts of plants burst, are trapped, broken, torn, torn or torn. Damage caused by the plowing and washing of plants or parts of plants due to rain erosion, washing or washing or filling with earth or boulders, or when plants cannot germinate due to the hardened crust of the soil after rain, is also prohibited.
In the event of a natural drought, the plants or parts of them must have died or dried prematurely, or the entire crop must have matured prematurely (forced maturity).
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