Under a crop hail policy, when does coverage against fire and lightning apply?

Coverage against fire and lightning under a crop hail policy applies while the crop is still in the harvester. This means that if a crop is being transported or processed in harvesting equipment, any damage resulting from fire or lightning during this time would be covered. This is crucial for farmers because crops can be particularly vulnerable to such risks during the harvest process, where machinery and environmental factors come into play.

Other situations, such as after the crop has been harvested or when it is in storage, would typically not fall under the scope of a crop hail policy unless specific provisions are made for post-harvest coverage. Additionally, the planting season is focused on the establishment and growth of crops, rather than harvest-related risks.