Dry fields and dry cornstalks have made combine and field fires an explosive risk this harvest season. We've already heard of several devastating fires occurring due to the combination of high combine heat, buildup on the machine, and extremely dry conditions.
With these risk factors, you'll want to make sure you know where your insurance coverage is coming from. Multi-peril crop insurance does not cover fires started by anything except entirely natural causes - such as lightning. You can obtain specific coverage for fires started by a combine or truck through: a hail insurance policy, a separate policy only covering fires, or a farm insurance policy. Contact your ag risk advisor or crop insurance agent to make sure you understand your fire coverage.