When does the crop-hail policy take effect?

The correct answer is that the crop-hail policy takes effect when the crop is clearly visible above the ground. This timing is essential because it ensures that coverage applies when the crop has emerged from the soil and is established enough to be at risk from hail damage. If the policy were to take effect either before the crop is visible or after the harvest has started, it would not serve its purpose of covering crops that are still growing and susceptible to hail.

In contrast, options like after harvest has begun and at planting time do not align with the nature of hail damage. Planting time is too early because the coverage is not necessary until the crop is actually growing, and harvesting signifies that the crop is no longer in need of hail insurance. Paying the insurance premium is also a critical component in obtaining coverage, but it does not determine when the policy itself takes effect.