As a farmer, you’re no stranger to the whims of weather. But when you add drones to the mix, stormy skies become even more worrisome. So, does your drone insurance have your back when severe weather strikes?
Understanding Weather-Related Coverage
Not all drone insurance policies are created equal, especially when it comes to weather damage. Here’s what you need to know:
- Hull Insurance: This covers physical damage to your drone. If your drone or equipment gets caught up in a storm or natural disaster, your hull coverage will kick in and make you whole again.
- Deductibles: Understand your deductible amount for weather-related claims. Companies will differ in how they handle deductibles.
Protecting Your Drone Investment
Beyond just insurance, here’s how to minimize storm-related drone damage:
- Monitor weather forecasts meticulously.
- Avoid flying during inclement conditions.
- Store your drone and equipment securely when not in use.
The VT Insurance Difference
At VT Insurance, we understand the unique challenges of agricultural drone operations. We’ll help you assess the weather-related risks specific to your location and find coverage that protects your investment. Contact us to tailor a policy that keeps you flying, even when the weather turns unpredictable.
FAQs About Weather Coverage
Q: Does my policy automatically cover all weather damage?
A: Not necessarily. Check your policy for specifics on covered perils.
Q: What if the damage is due to my own negligence (e.g., flying in light rain)?
A: Coverage may be limited in scenarios where you knowingly operated in risky conditions.
Q: How do I document weather-related damage for an insurance claim?
A: Take photos/videos of the damaged drone, record the date and time of the weather event, and obtain weather reports if possible.
Authored by Vaughn Tolbert
