Hurricane Insurance Protection – Wind Index (HIP-WI) Changes

Informational Memorandum: PM-21-038

The Hurricane Insurance Protection – Wind Index (HIP-WI) Endorsement continues to be available for the 2022 crop year for both Catastrophic (CAT) and additional coverage for Crop Insurance Policies in counties near the Gulf of Mexico or Atlantic Ocean, as well as Hawaii. The following changes are applicable for the 2022 and succeeding crop years:

  • Revision of the definitions of “Adjacent County” and “County Loss Trigger”;
  • Added the definition of “County”;
  • Clarification of the impact of changing your coverage in subsequent crop years, and the limitations imposed on coverage resulting from said changes;
  • Revision to determine eligible acres where a loss is not triggered for your county before you report your acreage for the underlying policy;
  • Clarification that any reduction in liability to the underlying crop policy will apply to the endorsement;
  • Clarification that only one administrative fee per crop, per county is owed for HIP-WI; and
  • Revisions to the methodology for establishing triggered counties in the Hurricane Data Provisions.