Farmers rely on the rain to keep their livestock healthy and their crops watered, but there can be too much of a good thing. When heavy rains and flooding affect an area, agricultural businesses and family farms can suffer devastating losses, leaving affected policyholders with few choices for recovery. Some agricultural businesses are forced to stop their operations for an extended period of time while they go through the laborious process of negotiating with their insurance companies and federal relief programs, and the outcome can be disappointing. Unfortunately, without legal help, many are unable to get the most out of the insurance they pay for or recover the full extent of their flood-related losses.
Flood Damage Causes Multiple Complications and Limitations for Farms
Depending on the type of farm or business affected, the damage from flooding can be either minor or severe. Dairy farmers may sustain fewer losses than grain farmers in the same area, but even more moderate flood losses can be problematic for farmers. No matter what type of agricultural business you own, severe flooding situations have the power to:
- Destroy crops and livestock
- Contaminate water supplies with sewage backup or agricultural chemicals
- Ruin hay stores and feed grains
- Damage farm equipment and machinery
- Damage farm structures
- Create problems with livestock disease
- Interrupt transportation of feed and supplies
Ultimately, a flood can touch almost every part of an agricultural operation, and the losses can far exceed the straightforward costs of repairing structures and replanting.
Start Getting the Most Out of Your Agricultural Flood Insurance Claim
Although affected farmers may rely on their insurance coverage to cover flood-related losses, many run into problems with underpaid claims, unfair assessments, or outright denials—but it is possible to fight for a fair outcome. Start learning more about how to take control of your insurance claim by reading through a copy of our free book, Understanding Agricultural Insurance Claims, or contacting our experienced policyholder attorneys directly to discuss your concerns in details.