Farm & Agriculture Insurance Claims Lawyer

We Speak the Language of Agriculture

Insurance carriers often try to apply “cookie-cutter” residential or commercial logic to farm claims, resulting in improper coverage determinations or significant under-valuations. They may depreciate your equipment too aggressively, undervalue your herd based on incorrect market data, or deny coverage for structures that they claim were “improperly maintained.”

We have the technical expertise to challenge these tactics. We successfully navigate the specific coverage challenges inherent to agribusiness, including:

Complex Structure & Dwelling Claims

Modern farms often have multiple insured structures, including multiple homes, various barns, silos, run-in sheds, and grain bins, as well as other commodity storage, usually all on the same policy as the primary residence. Insurers frequently misclassify these structures or apply “Co-Insurance Penalties” if they believe you were underinsured at the time of the loss. We fight to ensure every square foot of your property is valued correctly at current replacement costs.

Livestock and Herd Valuation

The loss of livestock due to fire, collapse, or other covered perils is devastating. However, the fight often begins when the insurer tries to pay “market value” for a high-yielding dairy cow or a breeding bull based on generic slaughter rates or misclassifies heifers without considering bred status. We work with agricultural experts and appraisers to enforce Livestock Schedules and ensure you are compensated for the productive value of your animals.

Equipment and Machinery Schedules

Your combine, planter, and tractors are the lifeblood of your operation. When specialized equipment is damaged, insurers often dispute the cost of repairs versus the cost of replacement. We meticulously review your Equipment Schedules to ensure you are not shortchanged on the machinery you need to get back in the field.

Farm Business Interruption

If a loss prevents you from planting, harvesting, milking, or a sale the financial damage goes far beyond physical repairs. We help you pursue Loss of Income claims by calculating the actual revenue lost during your downtime so that you can keep your operation solvent.