When does crop hail coverage against fire and lightning apply?

Crop hail coverage against fire and lightning is designed to protect your crops during the growing season, which includes both the time before harvest and during the actual harvesting process. This means that if a fire or lightning strike occurs before the crop is harvested or while it is being harvested, the insurance coverage would apply.

The justification for this coverage is based on the need to safeguard the investment made in growing the crops from not only hail damage but also catastrophic events such as fire or lightning strikes that could lead to significant loss. By including this timeframe—before and during harvest—the insurance ensures that the farmer is protected from various risks that can occur throughout the crop’s entire production cycle up to the point of harvest.

This provides comprehensive protection, allowing farmers to focus on the yields of their crops without the additional stress of potential fire or lightning damage impacting their hard work and investment.