Welsh farmers were urged today to beware of spontaneous combustion of their newly-gathered hay following the recent spell of good weather which has allowed them to produce large crops.
The Farmers’ Union of Wales pointed out that after a number of seasons of indifferent harvesting weather and challenging winter conditions farmers can ill afford to face further losses or expenses due to inadequate insurance cover and now is the appropriate time to review covers and sums insured on hay, straw and agricultural produce.
Spontaneous combustion can occur in hay if it is baled at too high a moisture level and is more likely to occur in tightly-baled hay and can cost farmers dearly, especially if insurance cover on hay and straw has expired.
“Over the last few years of poor harvest weather, with little hay produced, insurance cover on this has been reduced or removed,” said FUW director of business development Emyr James.
“In the present economic climate, and after an expensive winter, farmers can’t afford another loss through spontaneous combustion.
“Hay presents its own specific risks even when harvested in ideal weather conditions. Production methods have also changed in recent years with many farmers now relying on contractors rather than having their own hay making equipment that may sometimes result in hay being baled a little fresh.
“We would advise farmers to discuss their hay, straw and agricultural produce sums insured with their insurance advisers to ensure cover is adequate for their needs,” added Mr James.
Well-made hay also presents risks of fire from sparks from tractor exhausts and nearby machinery as well as electrical equipment and other weather conditions such as lightning strike. Hay stacks in areas closer to urban communities further present an exposure to theft and arson.
“It is important for farmers to understand that their hay, straw and agricultural produce sum insured must reflect the true full replacement value of all agricultural produce on the premises.
“Minimal sums insured will result in any claim being averaged and reduced in proportion to the under insurance resulting in dissatisfied clients and further expense,” added Mr James.