> Just wanted to check on my rights/responsibilities as this is a first for us.
I would be willing to bet that their insurance company will have a formula for figuring out the liability. Usually these formulas are tilted toward the person getting paid because insurance companies don't want to fight in court.
> I know 10 acres of hay is not a big thing for them-but it is if you wanna feed your own critters.
As for the alfalfa damage, have you considered drilling Sudex (BMR Sorghum-sudangrass hybrid)into the burned down alfalfa? Here in SE MN I get about the same value out of the 2 cuttings of Sudex balage as 3 cuttings of alfalfa. It works great in an emergency hay crop since you can't plant it until the soil gets up to 60F anyway (June here). Also, the seed is pretty cheap at less than $20/acre. The expensive part about growing it is the nitrogen application because it's very N-hungry, but following alfalfa that won't be much of a concern. You do have to wrap the bales in plastic to make balage though, it's pretty much impossible to make dry hay out of (where I am anyway).
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