If a particular crop loss is covered under more than one crop hail policy, what happens?

When a crop loss is covered under more than one crop hail policy, it is essential that the insurers involved share the liability for the loss proportionately, based on the coverage they have provided. This means that each insurer will pay a portion of the total loss amount based on their specific share of the overall coverage. This mechanism ensures that the insured does not receive a windfall from multiple policies for the same loss while also preventing any one insurer from bearing the full burden of the loss when multiple policies are in effect. By distributing the loss among the insurers, it maintains fairness and aligns with the principles of insurance where risks are pooled and shared.