What types of damages are generally not covered by crop hail insurance?

Crop hail insurance is specifically designed to provide coverage for damages directly resulting from hail events that occur during the insured crop's growing season. Generally, this type of insurance does not cover damages caused by other weather events such as drought, flood, wind, or frost. These events fall outside the scope of typical hail insurance policies, which focus solely on impacts from hail.

This distinction is important for policyholders to understand, as they may need other types of insurance, such as multi-peril crop insurance, to protect against a wider array of weather-related risks. Coverage for losses due to non-hail-related weather events is typically handled under different insurance policies designed for such purposes.

The options relating to hail damage from the previous week, assessment by an agronomist, and average expected crop loss do not represent common exclusions in crop hail insurance. The focus is primarily on hail-related losses, making the other options less relevant in identifying what is generally not covered.