Crop-Hail and Crop-Hail Endorsements
Crop-Hail coverage is provided directly by Rain and Hail with the goal of protecting crops from the uncertainty and colossal damage that hail can cause. Hail coverage can be strengthened even further with several Crop-Hail endorsements. Coverage is available in all states in the United States as well as Alberta, Manitoba and Saskatchewan in Canada.
For more information on these products, contact your local Rain and Hail representative or login to your Rain and Hail account in the upper right-hand corner.
Provides protection against physical damage from hail and/or fire. Other coverages provided include fire department service charges, transit coverage to the first place of storage, catastrophe loss award (most coverages) and replanting coverage (most crops). Options exist in some areas for other perils, such as wind and theft.
Crop-Hail can be used along with MPCI or other comprehensive coverages to offset the MPCI deductible and provide protection up to the actual cash value of the crop. Coverage is provided on an acre-by-acre basis, so damage that occurs on only part of a farm may be eligible for payment when the rest of the unit remains unaffected.
If a grower has coverage and bumper crop yields or higher prices become apparent, coverage can be increased during the growing season to cover the value of the crop.
Availability: Coverage is available in all states in the United States and in Alberta, Manitoba and Saskatchewan in Canada. Coverages and options vary by geographical area and crop.
Designed to cover that portion of the crop not covered by a policy reinsured or approved by FCIC. This plan provides the grower protection against any percentage of loss caused by hail and/or fire. It is designed to work in conjunction with a policy reinsured or approved by FCIC and contains increasing payment factors, which match up with the various coverage levels as follows:
|Policy reinsured or approved by FCIC Level of Coverage||Increasing Payment Factor Elected||Limit of Insurance not to exceed normal market value of your interest in the:|
|50%||2.0||top half of the crop|
|65%||3.0||top third of the crop|
|75%||4.0||top quarter of the crop|
Availability: Arizona, Colorado, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Missouri, Montana, Nebraska, North Dakota, Ohio, Oklahoma, Oregon, South Dakota, Texas, Washington, Wisconsin and Wyoming
This is an endorsement to the Crop-Hail policy that is available for growers who also have a Group Risk Plan (GRP) or Group Risk Income Protection (GRIP) policy. Coverage is provided for causes of loss other than hail that damages the corn or soybeans to the extent that they need to be replanted. The replanting coverage will be $20 per acre for both corn and soybeans at 100% interest. This endorsement provides coverage to replant acreage damaged by direct loss to the crop(s) described in the Schedule of Insurance caused by one or more of the following perils: (a) adverse weather conditions (excluding hail); (b) fire; (c) insects or plant disease, but not damage due to insufficient or improper application of pest or disease control measures; (d) wildlife; or (e) failure of the irrigation water supply due to an unavoidable cause.
Availability: Alabama, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, Ohio, South Dakota, Tennessee and Wisconsin
This endorsement provides coverage against direct loss to corn, seed corn and sweet corn by wind. Coverage options include green snap coverage, wind coverage or extra harvest expense coverage. Extra harvest expense coverage cannot be elected alone but may be added to green snap or wind coverage.
Availability: Illinois, Iowa and Nebraska
The endorsement provides coverage against direct loss caused by fire for harvested cotton that is temporarily stored in the field until the cotton can be processed or ginned. The deductible percentage is 5%, and is temporarily stored in the field until the cotton can be processed or ginned.
Availability: Alabama, Arizona, Arkansas, California, Georgia, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nevada, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia
The endorsement provides coverage against direct loss to cotton caused by wind. Wind loss is defined as the removal of unharvested cotton in open bolls from the plant by wind, hail and/or rain in excess of the applicable deductible.
This endorsement is designed to cover that portion of the crop not covered by the underlying yield-based plan of insurance (Actual Production History [APH], Revenue Protection [RP] and Yield Protection [YP]) policy. This plan provides the grower protection against any percentage of loss caused by hail and/or fire on a unit basis rather than an acre basis. In addition, the loss could be reduced or eliminated depending on total harvested and/or appraised production from the unit.
Visit with your Rain and Hail agent for more information.
This endorsement provides coverage against direct loss due to hail damage that causes the crop to be rejected by the processor or buyer. The underlying Crop-Hail policy will cover the direct damage caused by hail and this endorsement will cover the additional loss in value from rejection of the crop.
Availability: Illinois, Indiana, Iowa, Michigan, Missouri, Ohio, Tennessee and Wisconsin
This endorsement provides coverage against direct loss to small grain crops in Oklahoma and Texas caused by wind if accompanied by hail damage of 5% or more. Coverage is also provided against falling aircraft in Oklahoma. In Oklahoma, this endorsement also increases the amount of insurance up to twice the amount shown on the Schedule of Insurance for any loss caused by fire and lightning before harvest and while the crop is still in the harvester.
The endorsement provides coverage against direct loss to tobacco caused by theft and vandalism. A $100 deductible will apply for each occurrence of loss. This endorsement can also be attached to the tobacco barn fire policy.
Availability: Kentucky and Tennessee
The endorsement provides coverage against wind damage that causes the breaking off of stalks or destruction and/or removal of leaves from the plant. The coverage options available vary by state. This endorsement also provides for the cost of labor to set up tobacco blown over by wind up to a maximum limitation as specified in the endorsement. The set up provision only applies if 10% or more of the tobacco plants have been blown over by wind.
Availability: Florida, Georgia, Kentucky, North Carolina, South Carolina, Tennessee, and Virginia
The endorsement extends coverage to winter wheat damaged by freeze and/or snow mold to the extent that replanting is necessary. A 10% deductible applies. The loss award will be up to 10% of the insurance per acre shown on the Schedule of Insurance, not to exceed $20 per acre for 100% interest.
Availability: Oregon and Washington
The insurance products described here are subject to availability and qualification. This is not an exhaustive list of all products available. Product availability and coverage subject to change. Contact your Rain and Hail representative for more information.