Feedlot Cattle Insurance in Farwell, Texas

Coverage That Stands With You

Out here in Farwell, Texas, near Dumas and Amarillo, feedlot work is more than a job; it’s a lifestyle rooted in hard seasons and tougher cattle. With the Texas Panhandle’s wide skies and shifting weather, events like sudden summer storms or winter freezes come fast. Cattlemen know how quickly disaster can strike. With Feedlot Cattle Insurance from National Livestock Insurance, those events don’t have to mean financial ruin. Our policy is designed to value your herd properly when death happens, and it has optional add-ons for real risks like hypothermia, contaminated feed or water, and the cost of cleaning up lost animals. Veterinarian bills are not covered because this is mortality protection based on market value only.

How Coverage Works

The foundation of this insurance is the valuation schedule. That means if a steer dies from a covered cause, you are paid its current market value instead of what you paid or its salvage value. Think of it like fair value replacement. Covered causes include fire, lightning, windstorm, flood, drowning, building collapse, theft, vandalism, and smothering in a blizzard. Optional riders extend coverage to hypothermia deaths, contaminated feed or water, and carcass removal fees. So your payments align with actual losses.

Why Dumas Feedlots Need This

Farwell sits squarely in Tornado Alley. Days can shift from blistering midsummer heat in the nineties to freezing winter nights a month later. The region’s semi-arid climate brings roughly twenty inches of rain per year with occasional flash flooding and thunderstorms . Farwell, just north of Dumas, illustrates this well with dry spells broken by heavy rain in September and October .

During July and August, frequent afternoon thunderheads bring lightning and damaging straight-line winds. Amarillo area’s experience with recent tornadoes and flash storms shows how quickly things can go sideways. Heavy rains over low pasture or pens can flood yards fast, leading to drownings. In winter, sudden Arctic fronts bring heavy snow or ice. Pens left open can trap cattle in snow drifts, causing smothering deaths.

Events in Action

Picture a lightning bolt striking a feed bay during a July storm. The metal frame ignites and several cattle perish. That death is covered with the fire and lightning part of your policy. Or imagine June flooding pens after heavy rain. If cattle drown, your claim is based on valuation. A sudden December blizzard smothers penned cattle; that scenario is also covered. If strong winds collapse a barn roof in April and crush cattle inside, building collapse protection handles it. Pens cut by trespassers or animals stolen at night are covered under theft and vandalism.

Extra Coverage That Matters

A cold snap in late fall can expose cattle to hypothermia. They collapse overnight and perish. With the optional rider, their death is compensated. If heavy rain contaminates water tanks or spoilage taints feed bins, and cattle die from ingestion, the contaminated feed or water option applies. When loss occurs, carcass removal coverage helps pay for cleanup, abetting compliance and yard readiness without surprise fees.

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