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  • From: Andy Fellenz <fellenz AT fltg.net>
  • To: Market Farming <market-farming AT lists.ibiblio.org>
  • Subject: Re: [Market-farming] hoophouse insurance
  • Date: Fri, 16 Jul 2010 22:31:45 -0400

I checked with my Farm Family agent regarding insurance on my hoophouses and while the coverage was relatively cheap, with the exclusions it wasn't really worth pursuing. The coverage my agent could offer had a minimum $1,000.00 deductible per house, didn't cover collapse due to snow (this would only be covered if the house was heated and had an alarm if the temperature ever fell below freezing in the house) and pro-rated the coverage on the plastic film. What was attractive and may make sense for me was insurance for the contents of the house. The cost for contents was more reasonable and is something I will be looking into more closely next season.
Andy



Leigh Hauter wrote:
Does anyone have insurance on unheated greenhouses?

Last winter we had four 96X17 ft hoophouses go down under the snow. No insurance! (but who would have ever thought we'd have 33 inches of snow at one time in Virginia.

Before the snow disaster I had already bought 2 new houses 36X96 and 26X96. Both much better quality than the ones that went down. If I had known about the upcoming loss before I bought the new houses I would have probably waited and used the money to attempt to repair the severely snow damaged ones. (the metal hoops -- four foot centers-- bent to the ground in hard to repair places).

But, be that as it may, I like the new houses and they are producing bushels of early tomatoes, eggplants and peppers.

My concern, though, is insurance. The snow damaged ones weren't insured (who would have thought they would have had to stand up to that sort of weight) though I vaguely thought they were). This year I decided to make sure all of my houses are insured for more than theft and fire, however I just got a letter from Farm Bureau Insurance saying they were denying snow and ice insurance because the houses aren't heated.

Does anyone have experience with insurance on unheated greenhouses?





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