Agriculture

Agricultural losses are hard to measure after the event. Crops keep growing or rotting, floodwater recedes and the evidence changes week by week. We inspect quickly, map the affected area with GPS and work out what was actually lost, what can still be saved and whether the sum insured matched the value at risk.

Where a claim needs specialist input, we work with agronomy experts. We also carry out pre-loss risk surveys for farms, so insurers can price the cover properly and farmers know what to improve before a loss happens.

Specialist Areas

We offer specialist adjusting support in the following areas, including but not limited to:

• Crops and industrial farming
• Livestock, poultry and dairy
• Farm buildings and equipment
• Agricultural machinery
• Food processing facilities and stored produce
• Business interruption and stock throughput
• Pre-loss risk surveys for farms

Our Results in Agriculture

Flood Damage to a Moringa Plantation

Heavy rain and windstorms damaged over 3,000 moringa trees across about 2.9 hectares of a large-scale farm.

We measured the affected land with GPS mapping and consulted agronomy experts to establish the extent of the loss and which crops could be saved. The claim was adjusted for underinsurance and the policy excess. Read the case study.

Rainstorm Damage to a Maize Farm

A severe rainstorm broke maize stems and eroded topsoil across a mechanised maize farm.

Our GPS survey confirmed that 4.82 hectares were affected. We assessed the salvageable crop and the unused inputs, and adjusted the claim in line with the policy terms.