1. Forms
2. FP
3. FP-00-90

What the Form Is

The Farm Property - Other Farm Provisions Form - Additional Coverages, Conditions, Definitions (FP 00 90) is a standard Insurance Services Office (ISO) form used in farm insurance policies. It is not a standalone coverage form but rather serves as a foundational document that groups together various provisions that are common to different farm property coverages. Its primary function is to streamline farm policies by providing a single point of reference for certain additional coverages, conditions that apply to losses, and key definitions used throughout the farm property forms. This form must be used in conjunction with other specific farm coverage forms to create a complete policy.

Classes of Business It Applies To

This form is designed for insuring farms and ranches. It applies to policies covering various types of farm property, including:

• Farm Dwellings (when used with FP 00 12)
• Farm Personal Property (when used with FP 00 13)
• Barns, Outbuildings, and Other Farm Structures (when used with FP 00 14)

Real-world example: A farmer purchasing a policy to cover their farmhouse, personal belongings in the house, farm machinery, and barns would likely have the FP 00 90 included in their policy documents, alongside forms like FP 00 12, FP 00 13, and FP 00 14, as well as a Causes of Loss form (e.g., FP 10 60).

Special Considerations

Several important provisions within the FP 00 90 require special attention:

• Unoccupancy and Vacancy: The form typically includes a condition that if a covered building or structure is unoccupied or vacant for more than 120 consecutive days before a loss, the amount of coverage may be significantly reduced (often by 50%). This period might be extendable by endorsement.
• Debris Removal: This additional coverage pays for the expense to remove debris of covered property if the damage is caused by a Covered Cause of Loss. The standard limit is often 25% of the amount paid for the direct physical loss plus the deductible. An additional percentage (e.g., 5%) of the limit of insurance may be available if the primary debris removal limit is insufficient. Expenses must usually be reported within 180 days of the loss.
• Pollutant Clean Up and Removal: The form usually provides a limited amount of coverage (e.g., $10,000 annual aggregate) for expenses to extract pollutants from land or water at the insured location, provided the discharge is caused by a Covered Cause of Loss. This coverage is often subject to a specific aggregate limit per policy period and location, and higher limits may be available via endorsement (e.g., FP 04 22).
• Reasonable Repairs: It covers the reasonable costs incurred by the insured to make necessary temporary repairs to protect covered property from further damage after a covered loss.
• Policy Period and Coverage Territory: While the FP 00 90 itself may not define the coverage territory for all coverages, it works with other forms that do. For instance, Farm Personal Property coverage (FP 00 13) is typically limited to the United States, Puerto Rico, and Canada.

Key Information for Agents and Underwriters

• Policy Simplification: The FP 00 90 is crucial for understanding the overall structure of an ISO farm policy, as it centralizes common terms and conditions, reducing redundancy.
• Interdependency of Forms: Agents and underwriters must always review FP 00 90 in conjunction with the specific farm property coverage forms (FP 00 12, FP 00 13, FP 00 14) and the applicable Causes of Loss form (FP 10 60) to accurately determine the extent of coverage.
• Risk Assessment: The unoccupancy/vacancy clause is a significant underwriting consideration. Agents should inquire about the occupancy status of farm buildings. The pollutant clean-up exposure, even with the base limit in FP 00 90, should be assessed, especially for farms with significant fuel storage or chemical use.
• Coverage Gaps: While FP 00 90 provides some additional coverages, agents should be aware of their limitations (e.g., the $10,000 base for pollutant cleanup) and discuss the availability of endorsements to increase limits or broaden coverage where needed.
• Definitions: The definitions section in FP 00 90 is critical for interpreting policy language consistently across the various farm forms. Terms like "farming," "business property," and "pollutants" are defined here and impact the application of coverage. The definition of "agritainment" and its implications for coverage might also be addressed or modified by endorsements in conjunction with this form.