When the weather turns grey, most of us will don our raincoats and retreat to the warmth and dry of our homes. This is fine for people, but when it comes to Australian farms, it would be hard to find an umbrella big enough to cover acres of land. As a result, proper preparation is essential if farmers want to ensure they come out on top after a flood, and this includes having comprehensive crop insurance with a multi peril crop policy.

Around 145,000 hectares of farmland was damaged by the flooding.

NSW farmers affected by recent flooding

The recent flooding that ravaged New South Wales towns such as Forbes, Corinella and Condobolin presents a stark warning about the importance of being prepared for extreme weather. Grain Central reports that around 145,000 hectares of farmland has been affected, which equates to roughly $720 million in agricultural damage. According to local Forbes farmer Wayne Dunford, the natural disaster has devastating consequences for farmers in the region.

“For me it won’t be the end of the world, but for some it could be,” he told the Australian Associated Press. “The whole countryside is just glistening under the crops and in the pasture paddocks – it is just total saturation.”

“The biggest loss for farmers in flood-affected parts of NSW will be crops, including wheat, chickpeas and canola but with several river systems across NSW likely to remain high for prolonged periods of time, the full extent of damage won’t be known for a number of weeks until water subsides.”

One of the most worrying things about this flooding is that farmers are typically starved for rain at this time of year, not inundated by it. It goes to show that disaster can strike at any time, and is almost always unexpected.

Farmers need to prepare for flooding and other extreme weather.
Farmers need to prepare for flooding and other extreme weather.

Preparing and surviving floods

To avoid future losses like this one, Australian farmers and growers should revisit their disaster prevention and recovery plans. While there are a number of precautions they can take to minimise the damage to crops, it’s impossible to completely protect them, which is where a thorough insurance policy comes in. This cover provides a vital lifeline that can help primary industry businesses recover from floods and other such incidents.

Following a flood, the Insurance Council of Australia advises taking photographs and samples as evidence of damage and making your insurance provider the first port of call before doing any repairs. When you take out insurance with MGA, you can trust that we will be standing by in the event of a flood to assist with making a claim and getting back on your feet.