Drought, Heat and Livestock: Is Your Farm Policy Covering the Real Risks?

Farmers know that unpredictable weather is part of the job, but recent years have brought more frequent droughts and extreme heat that can threaten both crops and livestock. As these climate-related risks grow, it’s essential to ask: Does your current farm insurance policy truly protect your operation from the financial ramifications of drought, heat and livestock losses? 

Understanding the Risks Farms Face 

Drought and prolonged heat waves can devastate pastures, reduce water supplies and put significant stress on livestock. These conditions may lead to lower milk production, reduced weight gain and even animal fatalities. For many farm owners, these risks are no longer rare events; they’re becoming a regular concern. 

What Does Standard Farm Insurance Cover? 

Most standard farm insurance policies are designed to protect against common risks like fire, theft, and certain types of weather damage. However, coverage for drought and extreme heat is often limited or excluded. Livestock insurance may cover losses from accidents or specific diseases, but may not automatically include losses due to heat stress or water shortages. 

The following are key questions to ask about your policy: 

• Does your policy specifically mention drought or heat-related losses? 

• Are your livestock covered for nonaccidental losses, such as those caused by extreme weather? 

• Do you have coverage for lost income if your operation is disrupted by drought or heat? 

• Are there exclusions or limitations you should be aware of? 

How Our Team Can Help 

At Ison Insurance Agency, Inc, we understand the unique challenges farmers face. Our team can review your current farm insurance policy, identify any coverage gaps and recommend solutions tailored to your operation’s needs. Contact us today to learn more.  

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.