Which peril is specifically covered under a crop hail policy?

A crop hail policy specifically covers damage caused by hail, which affects the physical integrity of crops. Hail can create significant losses for farmers due to its ability to damage the plant structure, fruit, or grain, leading to a direct impact on yield and marketability.

Wind, although a potential cause of damage, is typically not covered under a standard crop hail policy. Instead, separate policies or endorsements may be required to protect against wind damage, depending on the circumstances and the specific insurance contract.

Flood, drought, and earthquake are also not covered under a standard crop hail policy. Flooding can lead to root rot and other issues, drought can severely impact crop growth due to lack of moisture, and earthquakes, while less common, can also affect agricultural lands and crops, but these perils require different insurance coverage.

Thus, within the context of a crop hail policy, hail is the primary peril that is specifically covered, distinguishing it from other types of natural disasters that can impact crops.