Crop Damage Quantification for Crop Insurance

Insurers face an increasing workload due to the rising number of crop damage claims driven by climate change. Crop insurance for extreme events can play an important role in protecting agricultural production in order to insure future yield and business as well. 

Many in the sector are trying new precision agriculture tools to make rapid, accurate, objective crop damage quantification to meet these new challenges.

Challenges for Crop Insurance Firms

Traditionally, insurers send crop insurance adjusters to the farm to assess the damage. Often this involves traveling to scattered and remote areas to reach their clients. Once at the farm, the crop insurance adjusters must also spend considerable time in manual field scouting for damage quantification, making the process expensive for the crop insurer.

Moreover, the damage measurements must be accurate and efficient so that neither the grower nor the crop insurer suffers losses. Currently, providing proof for the estimated damage quantification can be challenging.

Reliance on new technologies brings many benefits such as:

  • Increased client retention & better risk management
  • Standardized and accurate damage assessment
  • Optimizing the time spent on the field
  • Added value to the products and services
  • Improved data access and traceability

Available Crop Insurances

In one study, 85% of respondents said getting protection from crop damage due to natural disasters such as drought, hail, floods, wind, frosts, and wildlife was the top reason for insuring their crops.

Depending on the market and legislation, growers can choose from different Indemnity based insurance schemes that cover a single named peril like hail damage or wind damage, or like in the US Multi-Peril Crop Insurance (MPCI) that covers natural disasters, wildlife, and pests. In these schemes, insurers make claim payments based on actual losses assessment at the farm.

Remote Sensing and AI for Crop Damage Quantification

Therefore, crop insurers increasingly rely on innovative technologies and tools instead of traditional workflows for crop damage quantification. Cutting-edge Ai technologies such as Agremo can solve the traditional issues that insurers face and provide additional benefits. 

Claim Managers can acquire aerial imagery of crop damages through drones and cover large areas and several fields within a day compared to manual scouting. 

“In recent years, the use of drones has strongly increased because of easier access, flexible data-acquisition possibilities, and reduced costs. Drones offer continuous coverage, collect data at centimeter resolution, require little training to operate, and can be deployed at short notice,”

according to a team of European scientists Rutten, Casaer, Vogels, Addink, Vanden, and Herwig.

Online software Agremo analyzes drone images using AI, machine learning, and computer vision and that enables crop insurance companies to:

  • Gain insight into crop performance & yield to understand the financial stability of the client
  • Review, analyze and evaluate client’s needs
  • Audit large data sets

These aerial image analyses identify and calculate the area of damage accurately. Claim Managers or Crop Insurance Adjusters get reports with the analyzed map identifying damaged areas, the extent of damage, the crops affected, and supporting data. These reports provide an objective and unbiased basis for settling claims and the required proof to improve transparency.

“We were able to fly the drones and take pictures to document the damage,” says Shon Grimm, the area claims manager for Rural Community Insurance Services (RCIS). “We could even attach the images right to the claim. Sometimes the damage was even more than the farmer thought .”

Agremo has several products designed for insurance auditing.

  • Crop Damage Detection includes three analyses to detect and quantify damage to annual crops. Hail Damage analysis can assist adjusters in settling claims over croplands due to hail. It is possible to identify the extent and percentage of broken plants by Green Snap Detection and lodged plants by Lodging Detection, due to storm and wind, for accurate crop loss assessment.
  • Crop State Audit is suitable for agave, pine trees, orchards, bananas, and palm oil trees. Plant number analyses give the exact number of plants in the fields and provide an early yield estimate. This objective information allows the client to pay the insurance premium exactly for the accounted plants in the field, orchard, grove, nursery, or plantation.

Advantages of Remote sensing for Crop Insurance

Using remote sensing and analytics for crop damage claim validation can help both insurers and growers. Crop insurers can process more crop damage claims than before and more accurately. As a result, they can quickly offer fair and undisputable compensation to growers, who use insurance as a risk management tool to improve investment and income.

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What Our Clients Say About Us

  • After introducing mapping and crop analysis reports to farmers, they could see their field from another perspective. Agremo is helping us bring essential information to farmers which were impossible to get until recently.

    Ramón Pagán

    Mapping Expert and President @ Caribe Drones // Puerto Rico

  • Agremo’s map is more specific. Competitors break their maps into half-acre grids, but Agremo colors the whole thing exactly how it is. Visually, it’s night and day. A lot of farmers are visual.

    Corey Nohl

    Drone Operator and Farmer @ Above All Aerial // MN, USA

  • With Agremo reports, farmers they can increase productivity, reduce major problems by having early warnings during the early stages of the crops preventing major losses. Bottom line, increase ROI while minimizing losses.

    Miguel Ángel Salgado

    General Manager & Mapping Expert @ Ansar Drone // Mexico

  • The best thing about the plant population reports is the accuracy, which is splendid and it is very important! Great service at eye level with the customer!

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  • The biggest benefit for farmers who use drones and Agremo reports is that they increase their yields, reduce costs or improve their productivity. In the end, all these benefits are lead to extra profits.

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    General Manager @ La Orizont // Romania

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  • Of the few vendors who advertised drone imagery analytics, Agremo provided a vastly superior capability. It is extremely important to base any remote sensing assessment in solid ground truth. Agremo clearly excelled over their competitors.

    Konrad Kern

    Image Scientist @ Falcon Aerial Data // USA

  • Agremo Stand Count analysis shows how successful seeding was and how many plants farmers will be able to harvest. Withal, it can help to apply different sowing standards in different parts of the plot, in order to achieve the highest yields.

    Zdravko Hojka

    Agroservice and Product Manager (Maize and Oil Crops), KWS SAAT AG

  • Since we ran our first report with Agremo, both our company and our customers continue to be impressed with the accuracy of the reports compared to our ground truthing. We have leveraged many Agremo reports but find the most value in crop health, weed and stand count analyses. We continue to leverage the Agremo intelligence as a proven way to improve our customers’ bottom line.

    Jeff Buyck

    VP of Precision Ag C&B

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    What precision agriculture activities do you need?

    • Plant Stress

      • identify and quantify zones of (potential) stress
      • act timely with the most adequate measures
      • increase yield potential
    • Weed Detection

      • spot weed-infested areas in time
      • take immediate effective in-season corrective measures
      • get precise spraying maps
    • Green Snap Detection

      • identify and classify areas with broken plants in the field
      • locate and quantify the crop damage
    • Lodging Detection

      • detect and classify areas with lodged plants
      • locate and quantify the crop damage
    • Stand Count

      • get the precise number of plants in a specific area
      • evaluate seed quality
      • assess field damages
      • know the zones of potential yield losses
    • VRS Stand Count

      • calculate the percentage under the norm in each zone with the same seeding rate
      • reduce input costs in the low-productivity field areas
      • count plants in the best and the worst zones
    • Plant Vigor

      • get data on the exact location, condition, strength, and lushness of vegetation
      • optimize the usage of inputs, save on them and prevent over-application
    • Waterlogging Detection

      • quickly and accurately locate all potential waterlogged areas in your field
      • reduce the negative effects of waterlogging, regardless of the field size and crop sort
    • Hail Damage

      • analyze the percentage of areas damaged by hail or other bad weather events
      • evaluate different levels of damage in the field
      • assess crop damage precisely
    • Canopy Cover

      • get vital data on vegetation conditions and primary plant productivity
      • get the necessary details regarding the leaf area index (LAI)
      • determine the most optimal LAI for the fruits, vegetables, or cereals

       

    • Plant Stress

      • identify and quantify zones of (potential) stress
      • act timely with the most adequate measures
      • increase yield potential
    • Weed Detection

      • spot weed-infested areas in time
      • take immediate effective in-season corrective measures
      • get precise spraying maps
    • Green Snap Detection

      • identify and classify areas with broken plants in the field
      • locate and quantify the crop damage
    • Lodging Detection

      • detect and classify areas with lodged plants
      • locate and quantify the crop damage
    • Stand Count

      • get the precise number of plants in a specific area
      • evaluate seed quality
      • assess field damages
      • know the zones of potential yield losses
    • VRS Stand Count

      • calculate the percentage under the norm in each zone with the same seeding rate
      • reduce input costs in the low-productivity field areas
      • count plants in the best and the worst zones
    • Plant Vigor

      • get data on the exact location, condition, strength, and lushness of vegetation
      • optimize the usage of inputs, save on them and prevent over-application
    • Waterlogging Detection

      • quickly and accurately locate all potential waterlogged areas in your field
      • reduce the negative effects of waterlogging, regardless of the field size and crop sort
    • Hail Damage

      • analyze the percentage of areas damaged by hail or other bad weather events
      • evaluate different levels of damage in the field
      • assess crop damage precisely
    • Canopy Cover

      • get vital data on vegetation conditions and primary plant productivity
      • get the necessary details regarding the leaf area index (LAI)
      • determine the most optimal LAI for the fruits, vegetables, or cereals