Crop Insurance

# 🌾 Midwest Ag Insurance

### Crop Insurance Management System for Farming Simulator 25

**Version 1.0.0.0 | Midwest Modding Studio**

Submit any bug report to my Discord channel "bug reports" along with the game log. https://discord.gg/kys9spfucj

Protect your crop investment with **Midwest Ag Insurance**, a dedicated crop insurance management system designed for realistic farm management.

Midwest Ag Insurance brings policy management, covered-loss notifications, manual claim filing, claim review, and indemnity payouts into one streamlined system.

There are 2 files when you click download now, one is the mod, the other is a pdf with instructions on policy purchasing and claim submission along with other policy information. 

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## 🚜 V1 Features

- Crop insurance policies

- 50%, 60%, 70%, and 80% coverage options

- Coverage tied to the life of the current crop year

- Policy countdown toward the start of the applicable crop's harvest season

- **Hail coverage**

- Covered-loss claim notifications

- Manual claim submission through the **Submit Claim** wizard

- Field selection and claim review

- Claim determination and indemnity processing

- Claim history

- $500 minimum payout threshold

- Coverage-specific indemnity factors

- Dedicated **Midwest Ag Insurance** interface

-Live insured value updating

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## 📋 How to File a Claim

When the system identifies a potential covered loss:

**1. Claim Notification**  

The system notifies you that a claim may be available.

**2. Submit Claim**  

Select **Submit Claim** to open the claim wizard.

**3. Select the Field**  

Choose the field associated with the potential loss.

**4. Review the Claim**  

Review the information presented by the claim wizard.

**5. Submit**  

Submit the claim for processing.

Approved claims are processed according to the policy's coverage and applicable V1 claim rules.

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## 🌩️ V1 Covered Event

### **HAIL**

Hail is the **only documented covered weather event in Version 1.0.0.0**.

Future versions may expand the insurance system with additional loss events and more advanced claim calculations.

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## 📊 Coverage Levels

| Coverage | V1 Indemnity Factor |

|---|---:|

| 50% | 50% |

| 60% | 60% |

| 70% | 70% |

| 80% | 80% |

Coverage level and loss-event severity are separate components of the V1 claim calculation.

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## 💰 Claim Processing

Claims are **not automatically paid** when a covered event occurs.

A covered event makes a potential loss **claim-eligible**. The player must submit the claim through the claim wizard before the claim can be reviewed and processed.

Claims that fall below the **$500 minimum payout threshold** are denied.

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## 🏢 Midwest Modding Studio

**Midwest Ag Insurance** is a Midwest Modding Studio product and part of a broader agricultural management ecosystem for Farming Simulator.

Version 1 focuses on providing a straightforward foundation for crop insurance while leaving room for future expansion.

**MIDWEST MODDING STUDIO**  

*Agricultural Systems • Simulation • Technology*

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##UPDATES

09/20/26

- Fixed the text scramble issue when opening the menu the first time when loading in the save

-Fixed the issue that allowed the purchase of a policy on unowned land. You must now OWN the land to buy a policy on it, the field listing in the wizard auto updates your owned properties. 

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## 📦 Version Information

**Mod:** Midwest Ag Insurance  

**Studio:** Midwest Modding Studio  

**Game:** Farming Simulator 25  

**Version:** 1.0.0.0

> **V1 is intentionally focused. Hail is the only documented covered weather event at release.**

🌾 **Thank you for supporting Midwest Modding Studio!**