FAQs: Farm and Rural

We cover animal feed stored in sheds or silos that have been damaged by flood or landslip up to the policy limit. We also cover flood-damaged animal feed that has been harvested and is in the open.

There is no cover for growing crops, such as animal feed standing in a field, or harvested but not yet bailed.

If you have listed your livestock individually on your Livestock policy those animals will be covered for death caused by drowning/flood.

Culverts, which carry water under a road, drive, or track, are an optional benefit under the Farm Assets policy wording. If this benefit was purchased prior to the loss, there will be cover to repair or replace the flood-damaged culvert pipe.

However, the culvert, pipe, or conduit must be physically damaged, not just displaced or blocked. We’ll pay the cost to repair, rebuild, or replace the culvert pipe, whichever is less, but not for any earthworks.

If the farm bridge structure has been damaged by the flooding, there will be cover for the cost of repairing that damage. However, any erosion of adjacent banks or land is not covered. We do not cover the additional cost of extending a bridge that is no longer able to span a waterway widened by erosion.

We do not cover flood damage to underpasses.

There is cover for flood-damaged “bulk fertiliser in the open” (as well as lime) if you selected the optional extension before the flooding and it is shown on the policy schedule. 

Your Farm Assets policy schedule will show the amount of cover available for flood-damaged fences or sheep and cattle yards. If they form part of a farm building, they will be covered as part of that building. 

There is cover for milk up to a limit of $10,000 for any one event if the dairy company is unable to collect the milk because there is property damage or because there is a transport route blockage.

There is also cover for milk that has deteriorated due to an accidental stoppage, damage, or malfunction of refrigeration machinery at your farm.

You may have limited cover available under the Farm Assets policy, or more extensive cover if you’ve purchased Farming Operations Interruption cover before the event and it is shown on your schedule.

For assistance on what additional costs or lost revenue we may be able to cover please refer to your broker/advisor.

You may also qualify for an additional cash payment benefit called Flood Recovery. The amount of financial loss to your specified farm buildings/assets required to qualify and the amount we will pay in cash is shown on your schedule.