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Thread-Topic: Disaster insurance
From: <governor.haley@sc.lmhostediq.com>
To: <governor.haley@sc.lmhostediq.com>
Subject: Disaster insurance
Date: Sun, 13 Dec 2015 12:24:47 -0500
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<APP>CUSTOM
<PREFIX>Mr</PREFIX>
<FIRST>John</FIRST>
<MIDDLE>C</MIDDLE>
<LAST>Carrington</LAST>
<SUFFIX>SR</SUFFIX>
<TITLE></TITLE>
<ORGANIZATION></ORGANIZATION>
<ADDR1>PO Box 881</ADDR1>
<ADDR2>601 Burton Gunter Rd</ADDR2>
<CITY>Swansea</CITY>
<STATE>SC</STATE>
<ZIP>29160</ZIP>
<EMAIL>tgrfan2@gmail.com</EMAIL>
<PHONE_H>803-391-1586</PHONE_H>
<PHONE_B>same</PHONE_B>
<ISSUE>AGRI</ISSUE>
<SUBJECT>Disaster insurance</SUBJECT>
<CUSTOM1>70.199.242.174</CUSTOM1>
<MSG>
I was a family farmer until the wet fall of 1985 and the drought of 1986 made me decide between chancing bankruptcy or leaving family farming. 
I do not know all the details of the present crop insurance program. All I know is that the original crop insurance program gave you the choice of losing your farm over a period of years of average yields and prices while making the insurance payments or losing it fast if you had a crop failure similar to what many farmers are experiencing this year.
Times have certainly changed. I just needed a long term disaster loan at 3% interest of about $100K to survive then even though I was ranked in the top 5% of producers nationwide at the time!
I know that Governor Haley wants to be fair to all disaster victims. I don't think you can really compare the family farmer's situation with that of most businesses though. 
If these young farmers are forced out, who is going to replace them? Only huge corporations and the Chinese have the cash to replace these farmers. What wealthy individual in his right mind is going to risk it? 
Today most farmers "owe their soul" to fertilizer and chemical companies and John Deere!
Even large agribusinesses like these are feeling the pain in today's economy. The trickle down of farm failures will damage fragile local economies too. One of the main considerations I made to quit was the fact I would be risking not being able to pay back my friends that supplied me fuel, parts, and services at the time. PCA, FLB,FmHA and John Deere had a way of getting "theirs" while small businesses lost out completely many times.
I hope Governor Haley can find a way to work with USDA, Congress, and the SC Farm Bureau to avoid the loss of what could very well be the last generation of young family farmers in some areas of South Carolina.
Thank you for your consideration of this very important subject.



</MSG>

</APP>