What Farm-Related Claims Can You Expect During Winter? 

Winter in North Carolina brings unique challenges for farmers and agricultural businesses. At Eastern Carolina Insurance, we understand how the colder months can impact your operations and increase the risk of certain insurance claims. By being aware of the most common winter farm-related claims, you can take steps to protect your property, livestock, and livelihood and make sure you have the appropriate farm insurance coverage in place.

Common Winter Farm Insurance Claims

Livestock Losses and Illness
Cold temperatures, icy conditions, and fluctuating weather can put livestock at risk. Claims often arise from animal illness, hypothermia, or injuries caused by slips and falls. Ensuring proper shelter, adequate feed, and access to unfrozen water can help reduce these risks.

Crop Damage
While many crops are harvested before winter, some, like winter wheat, remain vulnerable to frost, ice storms, and unexpected freezes. Crop insurance claims may increase if severe weather damages plants or delays spring planting.

Equipment and Machinery Damage
Farm equipment is essential year-round, but winter weather can cause breakdowns or accidents. Claims may result from machinery failing to start in cold weather, damage from ice or snow, or accidents while operating on slick surfaces. Regular maintenance and proper storage can help prevent these issues.

Property and Structure Damage
Barns, greenhouses, and storage buildings are susceptible to roof collapses from heavy snow or ice, as well as water damage from frozen pipes. Insurance claims for structural damage are common after winter storms, making it important to inspect and reinforce buildings before the season begins.

Vehicle Accidents
Farm trucks and utility vehicles face increased risks on icy or snow-covered roads. Accidents can lead to claims for vehicle repairs and liability if others are involved. Safe driving practices and timely maintenance are key to reducing these risks.

How Our Team Supports Farmers

Our team at Eastern Carolina Insurance is dedicated to helping North Carolina farmers prepare for winter’s challenges. We offer guidance on winter farm insurance claims, review your current policies, and recommend coverage options tailored to your operation’s needs. By understanding local risks and taking preventive measures, you can minimize disruptions and protect your investment.

We’re here to help you and your farm through every season. Contact us today for more information or a personalized quote.

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.