Currently, Butler Byers Hail offers seven (7) deductible options:

• 5% disappearing deductible (at 25%)
• 10% disappearing deductible (at 50%)
• 10% disappearing deductible (at 30%)
• 20% disappearing deductible (at 60%)
• 15% straight deductible
• 25% straight deductible
• 10% deductible with increasing payment (at 70%)

For specific details of how these deductible options apply, contact your local broker/agent or read on . . .

OPTIONAL DISAPPEARING DEDUCTIBLE
In consideration of the reduced rate at which this insurance is written, it is agreed that:
This company shall have no liability, and the insured shall not send notice of loss, nor make claim for loss to any acre of the insured crop until the ascertained percentage of loss occasioned by perils named in the policy exceeds:

• (Option A) 10%
• (Option B) 20%

The amount then payable on any loss or losses shall not exceed the same percentage of the insurance then applying per acre as the ascertained percentage of loss per acre is in excess of such 10% in Option A or 20% in option B: except that whenever the ascertained percentage of loss exceeds 20% in Option A or 40% in Option B, the percent of deductible shall be reduced by 1% for each percent the ascertained percentage of loss exceeds 20% in Option A, 40% in Option B, up to a maximum of 30% in Option A or 60% in Option B, at which percentage this endorsement shall no longer apply.

15% and 25% FLAT DEDUCTIBLE - CODE 15S or 25S
(25S 50% of the Full Cover Rate)
(15S 70% of the Full Cover Rate)
We do not cover the loss until the percentage of loss per acre is in excess of 15% or 25%. The percentage per acre then payable shall be the percentage in excess of 25%.

10% DEDUCTIBLE WITH INCREASING PAYMENT FACTOR - CODE 10IP
(75% of the Full Cover Rate)
We do not make any payments until the loss exceeds 10%; the percentage per acre then payable shall be the percent in excess of 10%. Once the percent of yield reduction exceeds 70% an additional 1% shall be paid for each percent of yield reduction in excess of 70%. The payable percentage may not exceed 100%.

10% 5% and 10% DISAPPEARING DEDUCTIBLE with PAYMENT FACTOR - CODE 5XS OR 10XS
(5XS 95% of the Full Cover Rate)
(10XS 83% of the Full Cover Rate)
We do not make any payments until the loss exceeds 10%; the percentage per acre then payable shall be the percent in excess of 10%. Once the percent of yield reduction exceeds 70% an additional 1% shall be paid for each percent of yield reduction in excess of 70%. The payable percentage may not exceed 100%.

*We have charts available that explain the payouts, please call or e-mail for a copy.