Prepping for Storm Season: Is Your Farm Covered for Wind and Flood Damage?

Storm season in Washington can bring unpredictable weather, from powerful winds to heavy rainfall and flooding. For farm owners, these conditions pose real risks to crops, livestock, equipment, and property. Amid storm season, it’s essential to make sure your farm insurance can cover your livelihood from damages due to wind and flooding.

Understanding Wind and Flood Risks on Farms

Washington’s unique climate means farms in the state face various weather-related threats. Strong winds can damage barns, topple trees, and destroy fencing, while flooding can ruin crops, contaminate water supplies, and cause costly soil erosion. Standard farm insurance policies may cover some weather events, but not all policies automatically include protection for wind or flood damage.

What Does Farm Insurance Typically Cover?

Farm insurance is designed to safeguard your agricultural operations, but coverage can vary. Most policies can offer protection for:

• Farm dwellings and outbuildings
• Equipment and machinery
• Livestock
• Crops (with additional coverage)

However, wind and flood damage are often subject to specific policy terms or may require separate endorsements. Flood insurance, in particular, is usually not included in standard farm policies and must be purchased separately.

Why Review Your Coverage Before Storm Season?

Storm season is the worst time to discover gaps in your insurance. Reviewing your policy now can help you:

• Identify exclusions or limitations for wind and flood damage
• Ensure your coverage limits reflect the current value of your property and equipment
• Add or update endorsements for specific risks unique to your farm

How We Can Help

At Babbitt Insurance Group, we understand the challenges local farmers face during the storm season. Our team works closely with farm owners to review existing policies, explain coverage options, and recommend solutions tailored to your needs.

Contact us today to schedule a coverage review and make sure your farm is prepared for whatever the season brings.

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.