(1)  When the adjustment of a hail loss is made, the percentage of loss allowed shall be that percentage of the crop which has been destroyed by hail only. The adjustment shall be subject to the condition mentioned in ARM 4.4.315 Liability To Cease for State Board of Hail Insurance.

(2)  The cost of cutting, pulling, binding or harvesting in any manner shall not be considered in measuring the extent of the loss, provided that payment of the loss be limited to not more than the estimated value of the damaged crop before the hail.

(3)  The value of the loss shall be based on the amount of hail insurance coverage purchased per acre.