Hurricane Insurance Protection

Eligible Crops and Location

The HIP-WI Endorsement provides coverage for 70 different crops insured under the Common Crop Insurance Policy Basic Provisions for both Catastrophic (CAT) and additional coverage policies when provided in the actuarial documents. HIP-WI is available in counties in the vicinity of the Gulf of Mexico (Texas, Mississippi, Alabama, Georgia and Florida) and the Atlantic seaboard, as well as Hawaii.

Hurricane Insurance Eligibility Requirements

To be eligible for the HIP-WI Endorsement, you must:

• Have an insurance policy under the Basic Provisions with the same insurance provider;
• Elect HIP-WI on or before the underlying crop insurance policy sales closing date (SCD)
• Elect a HIP-WI coverage percentage; and
• Comply with all terms and conditions of the HIP-WI Endorsement.

Eligibility for the Tropical Storm Option (TS)

The Tropical Storm Option (TS) is an option to the HIP-WI endorsement that provides coverage for tropical storm weather events as defined by the Hurricane Data Provisions (HDP).

To be eligible for the Tropical Storm (TS) option, you must: *

• Meet all eligibility requirements for HIP-WI.
• Elect TS on or before the HIP-WI sales closing date (SCD).
• The TS option must be available in the actuarial documents.

*Please note there are additional requirements for the initial 2023 crop year. Please consult your trusted ProAg crop insurance agent or policy provisions for additional information.

HIP-WI Insurance Period

Generally, the insurance period for HIP-WI:

• Begins on the later of the sales closing date or earliest planting date of the crop; and
• Ends on the earliest of the end of insurance date or termination date (if there is no end of insurance date for the crop).

Is There a Waiting Period for Hurricane Insurance Protection?

The initial year HIP-WI is elected, coverage will not begin until 14 days after the sales closing date. If the underlying crop policy also requires a waiting period, the wait periods will run concurrently. For subsequent years, if you increase your HIP-WI coverage, the increase will not take effect until 14 days after the Sales Closing Date (SCD). If a loss event occurs within the 14-day waiting period, HIP-WI coverage will be based on the coverage percentage and coverage range for the previous insured year.

Acreage Reporting Requirements

You are not required to submit an acreage report for HIP-WI, because HIP-WI uses the underlying policy’s report. So, the number of eligible acres will be the number of acres reported on an intended acreage report, or the number of planted acres reported on the acreage report of the underlying crop insurance policy. If you file an intended acreage report, eligible acres will be limited to the actual acres you planted and reported on the underlying policy’s acreage report. If an acreage report is not required for the underlying policy, the crop’s equivalent of an acreage report will be used to determine the amount of insurance for HIP-WI.