(1) The liability of the state board of hail insurance for damage by hail to crops insured under this act shall cease when:
(a) The crops are headed, mowed, or harvested in any manner except that liability against damage by hail will continue in force on grain or any other crops which have been bound, shocked, or windrowed until the insured has had a reasonable time to complete harvesting or threshing.
(b) The insured neglects under favorable conditions to harvest the crops insured within a reasonable time after the grain is fully ripe.
(c) The insured makes application for cancellation or reduction of the current hail insurance levy on account of the alleged destruction of said crops by other means than hail.
(d) The crops are destroyed by other means than hail.