What does the standard crop hail policy NOT cover?

The standard crop hail policy is specifically designed to provide coverage primarily against damage caused by hail. While it may also include provisions for certain perils associated with specific risks to crops, it typically does not extend coverage to wind damage. This is because wind can cause a range of damages that may not be directly related to the effects of hail, and, in many cases, wind damage is addressed under separate policies or endorsements.

Understanding the limitations of a crop hail policy is crucial for farmers in managing their risk effectively. By knowing that wind damage falls outside of this particular coverage, producers can make informed decisions about additional insurance needs to protect their crops against various weather-related threats. In contrast, the other options listed, such as fire and lightning, hail (which is the primary risk covered), and water damage (often covered under certain circumstances), are generally accounted for under different insurance provisions or policies, not specifically this type.