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.

Crop-Hail (CH)

Crop-Hail coverage 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.

9/18

Crop-Hail Endorsements

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Canning Bypass

The Canning Bypass endorsement provides coverage when canning peas, canning beans, processing beans and canning sweet corn are rejected for canning purposes because of spoilage as a direct result of hail damage. The underlying Crop-Hail policy will cover the direct damage caused by hail while this endorsement will cover the additional loss in value from rejection of the crop.

Availability: Illinois, Indiana, Iowa, Michigan, Missouri, Ohio, Tennessee and Wisconsin

9/18

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Companion Plan

The Companion Plan is 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

5/10

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Corn and Soybean Replant

The Corn and Soybean Replant is an endorsement to the Crop-Hail policy that is available for growers who also have an Area Risk Protection Insurance (ARPI) policy. Coverage is provided for the insured crop(s) when damage is caused by an insured peril to the extent that replanting is necessary, and it is feasible to replant under the growing conditions where the crop(s) is grown, as determined by us. 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

9/18

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Cotton Module

The Cotton Module endorsement provides coverage for the perils of fire and lightning and fire department service charge* to cotton that has been harvested and stored in modules. Coverage is extended for the complete or partial destruction of cotton modules caused by fire and lightning. The deductible percentage is 5%.

Availability: Alabama, Arizona, Arkansas, California, Georgia, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nevada, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas and Virginia

*Fire department service charge does not apply to Arizona or Texas.

9/18

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Cotton Wind

The Cotton Wind endorsement provides coverage against direct loss to cotton caused by wind. Wind loss is defined as the removal of lint cotton from open bolls on unharvested cotton by wind, hail and/or rain in excess of 15%, determined on a per acre basis.

Availability: Alabama, Arkansas, Florida, Georgia, Louisiana, Mississippi, Missouri, North Carolina, South Carolina, Tennessee and Virginia

9/18

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Extra Harvest Expense Coverage for Field Corn, Seed Corn and Sweet Corn

The Extra Harvest Expense Coverage for Field Corn, Seed Corn and Sweet Corn endorsement amends coverage to include coverage for the additional costs to harvest your field corn, seed corn and/or sweet corn due to Green Snap and/or Lodging (Wind) caused by natural wind. In order to have coverage under this endorsement, all acreage of field corn, seed corn and/or sweet corn in which the insured has an insurable interest in the applicable county(ies) must be insured on an underlying Crop-Hail policy.

Availability: Alabama, Arkansas, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, North Dakota, Ohio, South Dakota, Tennessee and Wisconsin

9/18

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Fire and Lightning Coverage on Crops Planted in Small Grain Crop, Stubble or Residue

The Fire and Lightning Coverage on Crops Planted in Small Grain Crop, Stubble or Residue endorsement extends Fire and Lightning coverage is to crops that have been planted into any cover crop or current crop year small grain crop, stubble or residue. This endorsement only applies to those crops for which fire and lightning coverage is provided for in the Special Provisions or State Amendatory Endorsement.

Availability: Alabama, Arizona, Arkansas, California, Florida, Georgia, Idaho, Kentucky, Louisiana, Mississippi, Montana, Nevada, New Mexico, North Carolina, Oklahoma, Oregon, South Carolina, Tennessee, Utah, Virginia, Washington and Wyoming

9/18

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Production Plan

The Production Plan endorsement is designed to cover that portion of the crop not covered by the underlying MPCI policy. The endorsement provides protection against loss caused by hail and/or fire on a unit basis. Green Snap and Wind endorsements are available in some areas.

Availability: Colorado, Idaho, Iowa, Illinois, Indiana, Kansas, Minnesota, Missouri, Montana, Nebraska, North Dakota, Ohio, South Dakota, Wisconsin and Wyoming

9/18

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Seed Corn Endorsement

The Seed Corn Endorsement endorsement covers corn grown for resale as seed corn for all acres described in the Schedule of Insurance. The percentage of loss to seed corn from hail will be determined by lack of pollination, ears damaged by hail to the extent that such ears cannot be used for seed and loss due to damage to leaves, stalks or tassels only to the extent that such damage affects the production of commercially acceptable seed corn.

Availability: Illinois, Iowa and Nebraska

9/18

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Stored Grain

The Stored Grain Fire endorsement amends coverage to include stored grain coverage for corn, soybeans, rice and small grains that receives a direct loss caused by fire and lightning, windstorm, explosion, vandalism and malicious mischief or theft. Stored grain means the seed from the insured crop(s) which has been picked, combined, or harvested, taken to the first place of storage, and stored in completely enclosed bins, buildings, or grain bags, wholly owned, leased or controlled by the insured. This coverage is subject to a $100 deducible per occurrence of loss and is excess over any other applicable coverage.

Availability: Alabama, Georgia, Kentucky, Louisiana, Mississippi and Tennessee

9/18

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Tobacco Theft

The Tobacco Theft 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

5/10

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Tobacco Wind (with Set Up)

The Tobacco Wind 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

5/10

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Wheat Wind

The Wheat Wind endorsement provides coverage against direct loss to wheat crops caused by wind if accompanied by hail damage of 5% or more during the same occurrence. This is an annual endorsement and the coverage provided will be in effect for only one growing season from the date of application.

Availability: Kansas, Nebraska, Oklahoma and Texas

9/18

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Wind (Green Snap and/or Lodging) for Field Corn, Seed Corn and Sweet Corn

The Wind (Green Snap and/or Lodging) for Field Corn, Seed Corn and Sweet Corn endorsement provides Green Snap coverage for severing or breaking of the stalk at a node above the brace roots and below the ear as a result of natural wind and which will prevent an ear from forming or prevent the harvesting of the ears by normal harvesting equipment and Lodging coverage for corn stalks which have been bent, broken, or blown over by natural wind causing the ear to be unrecoverable by normal harvesting equipment. In order to have coverage under this endorsement, all acreage of field corn, seed corn and/or sweet corn in which you have an insurable interest in the applicable county(ies) must be insured on an underlying Crop-Hail policy.

Availability: Alabama, Arkansas, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Mississippi, Missouri, Nebraska, North Dakota, Ohio, South Dakota, Tennessee and Wisconsin

9/18

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Winter Wheat Replant

The Winter Wheat Replant 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. The number of acres then payable will be the number of damaged acres in excess of 10%.

Availability: Oregon and Washington

9/18

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.