Which peril is specifically covered under a crop hail policy?

A crop hail policy specifically covers damage caused by hail, which is a significant peril that can severely affect agricultural production. Hail can lead to immediate and extensive physical damage to crops, which is why insurance for this type of risk is critical for farmers.

Other perils such as wind, flood, drought, and earthquake are typically not covered under standard crop hail policies. These types of damage require different types of insurance policies or endorsements. For instance, damages resulting from wind might be covered under a broader crop insurance policy or an additional rider, while drought may require a specialized policy focused on weather-related impacts. Floods and earthquakes, likewise, fall outside the scope of coverage provided by typical crop hail policies, necessitating separate risk management strategies.

This focused coverage under a crop hail policy reflects the specific risk farmers face from hail damage, enabling them to seek recourse during adverse weather events that directly affect their crop yields.