Storms Ciara and Dennis should act as a prompt for farmers to ensure they are adequately covered both for damage to the farm and the environment.
Nigel Wellings of Acres Insurance said: "Farmers need to check the cover they hold, and make adjustments and additions if needed.
"While we have seen a slight increase in premiums on flood and storm policies, it is still not expensive and can be critical in the event of a disaster."
He added that while buildings may be covered by flood and storm damage, contents such as straw, stored crops and inputs may not and that may require adding to an existing policy.
Mr Wellings also warned that more extreme weather increases the danger of environmental damage and suggested farmers consider tasking preventative action.
"We see many claims caused by run-off when drainage systems simply can't cope with the sheer volumes during periods of extreme heavy rainfall. In many cases, it would have been very simple to enhance drainage systems internally, to alleviate problems."
He said farmers should not only check if they have environmental insurance but also enough coverage, which could cover clean-up costs that is well into six-figures.
