What is 'Winter Range Form'

Winter range form is a type of insurance that covers livestock, including cattle and sheep, on the range in Western states, from the seven months beginning of October, and ending at the beginning of May. The winter range form provides coverage against losses arising from weather (including freezing), most natural disasters, collisions with motorized vehicles, riots, civil commotion and theft.

BREAKING DOWN 'Winter Range Form'

Winter range form provides coverage for animals that are damaged or destroyed, including domesticated animals, and is used mainly for seasonal coverage on range stock in Colorado, Kansas, Nebraska, New Mexico and Oklahoma.

Expected Winter Range Form Perils

  • Drifting when snow and wind are present, which can cause damage to fences and buildings

  • Water sources and stock tanks can become damaged or compromised

  • Snow accumulation can prevent vehicle access to feed or animals

  • Accumulations of snow can bury or trap cattle, especially young animals, and prevent them from reaching shelter or feed

  • Blowing wind and snow and create far more cold stress on animals than just the cold temperatures alone

  • Snow accumulation will cause winter range or pasture to become inaccessible for grazing and more difficult to navigate

  • Ice storms will make pasture or winter range forage inaccessible, more so than snow alone

  • Extremities that become wet or are normally damp are particularly subject to frostbite and freezing during sub-zero weather. Livestock may lose or have damaged ears and/or tails.

  • Male livestock may suffer cold damage to reproductive organs, which can impair fertility or the animal’s ability to breed.

Example of Winter Range Form Policy Terms

Insurance will pay for loss resulting from the death of “livestock” described above caused or made necessary by freezing or smothering in a snowstorm or ice storm.

Insurance does not pay for loss:

  • Occuring while “livestock” are inside fully enclosed buildings unless the direct force of the wind first causes damage to the exterior walls, windows, or roof creating an opening in the walls, windows, or roof of such buildings

  • Caused or made necessary by freezing or smothering in or under strawstacks or haystacks

  • Caused or made necessary by freezing or smothering in a snowstorm or ice storm if the death of the animal occurs more than 72 hours after the storm ends

Insurance limits for livestock covered under this endorsement is the smaller of:

  • The proportion of the loss which the “limit” under this endorsement bears to 80 percent of the actual cash value of all “livestock” covered under this endorsement at the time of loss

  • The proportion of the loss that this insurance bears to the total insurance covering the loss.

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