It’s a common question, and the short answer is, it’s our job to make sure your Farm insurance needs are being met. One of the most effective and efficient ways to do that is by periodically doing a farm inspection on your insured properties.
How are inspections done and what do we look for?
All inspections are done by a Co-operators employee, or a qualified contract inspector. We conduct the farm inspections for several reasons:
- To ensure your farm is safe. We look for opportunities to help you prevent losses to your home or farming operation and protect your livelihood and safety. We check for onsite exposures or unsafe conditions that may lead to injuries, including an assessment of the overall general condition of your heating, plumbing and electrical systems and equipment.
- To update your coverage, if necessary. Any renovations, additions to your home or changes to your farm operation can mean a change to the terms or limits of your policy. We calculate the current replacement value of your farm and contents to ensure you’re fully covered in the event of a claim.
- To ensure you’re receiving all available discounts. Improvements to your farm and surrounding property can mean you’re eligible for additional discounts.
When the property inspection is completed, your Financial Advisor will make coverage recommendations. If any problems or concerns are discovered, we’ll offer suggestions and recommendations on how to make corrections.
Get the most out of your coverage
Your farm inspection is a great time to ask any questions you might have, whether it’s about insuring a new piece of equipment or covering new livestock under your current plan. We can also go over the limits of your policy and discuss whether you’re comfortable with your deductibles.
Reviewing your policy with us annually or every few years can help ensure you have the protection you need while avoiding unnecessary expenses. Call your local Financial Advisor today to book a free farm inspection. It’s a small investment of your time that could pay big dividends.