AI Tools for Crop Insurance Adjusters
AI tools that help crop insurance adjusters assess weather damage, research commodity prices, analyze satellite imagery, and compile accurate loss adjustment reports for agricultural claims.
Works in Chat, Cowork and Code
Weather event documentation
Pull precise historical weather data for the date and location of a claimed loss event. Document hail, wind speed, excessive rainfall, drought indices, and freeze temperatures at the specific county and date to support or refute loss causation. Accurate weather records are the foundation of every crop claim.
April 18, 2024: Severe thunderstorm tracked through Thomas County. Hail stones 1.5–2.25 inches diameter confirmed at 7:42 PM local. Wind gusts up to 58 mph. Total storm duration: 47 minutes. NWS severe thunderstorm warning issued at 7:15 PM. Consistent with crop damage of the type described.
Commodity price and production value research
Establish current and projected commodity prices for loss calculations. Pull CBOT futures, cash prices, and USDA price data for corn, soybeans, wheat, cotton, and specialty crops. Accurate commodity valuations are essential to calculating the indemnity.
CBOT November 2024 soybean futures settled at $10.24/bushel at contract close. USDA NASS Illinois average farm gate price for October: $9.87/bushel. Basis in central Illinois: -$0.37. Use $9.87 as the applicable price per the policy harvest price election.
Satellite imagery analysis
Access satellite images of insured farm parcels before and after a loss event. Compare pre-loss vegetation to post-loss conditions to document the spatial extent of damage. Satellite analysis helps prioritize field visits and validates production loss calculations.
Pre-event image (August 10): full canopy, uniform green across all 320 acres. Post-event image (August 14): estimated 74% of field area shows lodged/flattened crop pattern consistent with high-wind damage. Northern and eastern portions most severely affected.
USDA RMA policy and procedure research
Look up USDA Risk Management Agency policy handbooks, loss adjustment manuals, and crop-specific procedures. Stay current on approved price elections, APH rules, and prevented planting provisions that vary by crop and county.
RMA Loss Adjustment Standards Handbook (LASH) requires: FSA farm records confirming acreage, documentation of the cause of prevention (weather, wet conditions), proof that planting was prevented by the final planting date for the county, and field photos. Irrigation status affects the applicable APH yield.
Drought and water stress monitoring
Track drought monitor conditions, soil moisture indices, and rainfall deficits over the growing season for claims involving drought-related yield loss. Build a complete seasonal record from planting through harvest.
Compiled 17-week drought history. County entered D1 (Moderate Drought) on June 18. Intensified to D2 (Severe Drought) by July 9 and remained D2 through August 22 harvest date. Cumulative rainfall deficit during silking period (July 1-21): -4.8 inches. Strong support for drought-related yield loss.
Agricultural news and crop report monitoring
Track USDA crop production reports, crop condition ratings, and agricultural news that affect production estimates and price projections for the crops you are adjusting. Stay informed on widespread production losses that affect area-wide yield triggers.
August 2024 WASDE: US corn yield forecast 181.1 bu/acre (record). Iowa: 202 bu/acre forecast, above the 5-year trend of 193 bu/acre. Strong national yield — area-based products in Iowa will likely not trigger given above-average conditions.
Ready-to-use prompts
Get weather data for Mitchell County, Kansas on June 3-4, 2024. I need precipitation totals, hail reports, wind speeds, and any NWS severe weather warnings issued during that period.
Pull the daily settlement prices for CBOT December corn futures from August 1 through November 30, 2024. Include the contract close price on harvest date October 15.
Retrieve satellite imagery for coordinates 40.2158°N, 97.5832°W, a 480-acre field in Nuckolls County Nebraska, for dates before and after September 1, 2024.
Explain the USDA RMA loss adjustment procedures for a quality loss claim on malting barley in Montana. What quality factors are used and how is the indemnity calculated?
Summarize the US Drought Monitor weekly classifications for Phelps County, Nebraska from April through September 2024. Include drought intensity category for each month.
What were the USDA crop condition ratings for Kansas winter wheat during the April-June 2024 growing season? Include the weekly good/excellent percentages.
How does hail damage affect soybeans at the R5 (beginning seed) stage versus R3 (beginning pod) stage? I need agronomic evidence for a late-season hail claim.
Get the USDA NASS Illinois average corn and soybean cash prices for each month from January through December 2024.
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Weather-related crop loss claim documentation
Build a complete weather and loss documentation package for a hail, wind, or excessive moisture claim.
Drought and prevented planting review
Document a drought or prevented planting claim from planting through harvest with a full seasonal weather record.
Multi-county catastrophe response
Prioritize field visits and triage a high-volume catastrophe claim load after a widespread severe weather event.
Frequently Asked Questions
How current is the weather data for historical claims?
Weather Forecast accesses historical weather station data and NWS records going back decades. For crop insurance claims, specify the exact county, dates, and weather event type (hail, wind, rainfall) to retrieve the most relevant historical records.
Can satellite imagery show the difference between hail damage and normal field variation?
Satellite Imagery provides before-and-after visual comparisons at sub-meter resolution for recent events. Visual comparison of pre- and post-event images can document the spatial pattern and extent of damage. For quantitative analysis, combine with ground-truth sampling during field inspection.
What commodity price sources are used for crop insurance calculations?
Finance Data provides CBOT futures settlement prices, USDA NASS cash prices by state, and CME options settlement prices. For APH and revenue protection policies, the applicable price depends on the USDA RMA-published projected and harvest prices — always verify against the official RMA price announcement for the crop year.
Can these tools help with specialty crop and aquaculture claims?
Deep Research can compile USDA RMA actuarial documents and loss adjustment manuals for specialty crop programs, which have crop-specific procedures. Weather and satellite tools work for any agricultural area. Commodity price data is strongest for exchange-traded crops (corn, soybeans, wheat, cotton).
How do I use satellite imagery in combination with field measurements?
Use satellite imagery to identify the spatial pattern and approximate extent of damage before your field visit, prioritizing which fields to visit first and which areas within fields show the most severe damage. Always conduct physical ground-truth sampling per RMA procedures — satellite data supports but does not replace field appraisals.
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Works in Chat, Cowork and Code