April 25, 2016

 The insured brought an action against the insurer to recover expenses for transporting crops and drying them at other facilities after a fire destroyed a grain handler dryer, fans, and parts covered by an agricultural endorsement to a farm and ranch policy. This case is Huether v. Nodak Mutual Insurance Company, 871 N.W.2d 444 (2015).

 Huether contracted with Nodak Mutual to provide insurance coverage for his house, buildings and structures on his farm. Huether added an equipment endorsement insuring his agricultural equipment to the policy. This endorsement provided coverage for direct physical loss or damage to the equipment, including a grain handler dryer, fans, and parts. Subsequently, a fire broke out and destroyed these items.