Rainy Days Protection

When rainfall is frequent, even low levels of precipitation can cause significant damage. For example, daily rainfall at the end of the growing season causes wheat to sprout and suffer from low test weight. Crops with tight harvesting schedules suffer key delays. Other crops can develop diseases that result in total loss.

Rainy Days Protection is named peril insurance that insures against losses from frequent rainfall by paying out based on the number of rainy days that occur during the policy period. You choose the location where rainfall is measured and the dates of coverage. You define the rain threshold that defines a rainy day and the number of rainy days that trigger payout. The more rainy days that occur during your policy period, the greater the payout.

Rainy Days Protection is available for all or just a portion of your acres, for any crop, nationwide. There is no claims process required. The Climate Corporation will send you a check automatically if there are too many rainy days, compensating you within 10 business days.

Key benefits

• Pays based on the number of rainy days over the policy period.
• Protects against rain that can cause quality loss such as wheat sprouting.
• Compensate for yield losses from rain that can leach nutrients from crop and spread fungus and rot.
• Provides coverage for all or a portion of your land.
• Insure as much of your crop value as needed.
• Available nationwide, for any crop.
• Works as independent insurance or supplement to Federal Crop Insurance (MPCI).
• No claims process required. Policyholders are paid automatically at end of policy period.