When wet hay is put away, a decomposition process occurs that can cause damage ranging from mold to caramelization and in the worst cases, spontaneous combustion. Some FC&S subscribers recently have had to deal with this situation, and they approached us about the application of coverage.
Where There's Smoke …
In one case, an insured observed smoke coming from a barn containing large bales of hay, so he removed the bales to minimize damage to the hay and building. As the bales were removed and exposed to the air, two burst into flames and burned completely. Another 20 bales had significant blackening on at least one side. In all, 48 bales were charred or damaged by smoke.
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