Which peril is specifically excluded from standard crop-hail policy coverage?

In a standard crop-hail policy, certain perils are excluded from coverage to focus on specific types of risks associated with crop loss. Rain is typically not covered under these policies, as crop-hail insurance primarily addresses damage caused by hail or the additional perils that are specifically listed in the policy.

The rationale behind excluding rain is that while it can certainly impact crop health and yields, it is considered a natural event that is less definitive in causing direct damage compared to hail or other catastrophic events. Crop-hail insurance is designed to provide a safety net against more immediate and violent weather events like hailstorms that cause direct physical damage to crops. Rain, on the other hand, while it may be excessive or insufficient, is part of normal agricultural risk scenarios.

Understanding this exclusion is essential for farmers and policyholders as it affects how they assess risks and the types of additional coverage they may need to purchase for more comprehensive protection against a range of weather-related risks.