(1) All growers of grain and other special crops seeking a reduction of premium shall be subject to the dates in ARM 4.4.309 except five days additional shall be allowed:

(a) all growers in the counties adjoining the Canadian border; and

(b) those in other counties where the insured crops are growing at an elevation in excess of 3,500 feet above sea level.

(2) When any insured crop has been practically destroyed by other means than hail after the dates provided in ARM 4.4.309 Filing of Application For Reduction and Schedule, and (1) of this rule, the insured may apply to the state board of hail insurance for a reduction in the charge, but the requests for such reduction must be made before the grain is harvested. When the insured furnishes the required information proving the damage or destruction of the crop the state board of hail insurance may approve a reduction of the charge to not less than one-half the regular charge for the season.