SLUDGE INSURANCE COVERAGE

SUMMARY by Helane Shields

Virginia Farm Bureau promotes sludge spreading but denies farm insurance coverage for viruses, bacteria, microorganisms that cause disease? 
From: Helane Shields (hshields@worldpath.net) 
Sent: Thu 3/20/08 9:57 PM 
To:  AAAAAAAA (hshields@worldpath.net) 

Security scan upon download   
 scan0001.pdf (1318.1 KB) 
Virginia Farm Bureau Federation - Farm insurance policy:  
This endorsement specifically states that loss, cost, or expense ~
caused by, resulting from, or relating to any virus, bacterium, or
other microorganism that causes disease, illness, or physical
distress or that is capable of causing disease, illness, or physical
distress is not covered under your policy."
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Sent: Thursday, March 20, 2008 4:03 PM
Subject: Virginia Farm Bureau promotes sludge spreading but denies farm insurance coverage for viruses, bacteria, microorganisms that cause disease 



 
  • VIRGINIA FARM BUREAU FEDERATION
    Other priorities for Farm Bureau include re-established funding for the Virginia Foundation for Agriculture in the Classroom, and funding for the Dairy Center and Livestock Teaching Arena at Virginia Tech. The organization also supports continued use of biosolids as a source of nutrients on farmland. **********************************************************************************
  • CANADA ? INSURERS SAY SLUDGE SPREADING IS ?ENVIRONMENTAL RISK?
    Insurer Refuses to Assume Sludge Risk Wellington Times, Aug. 25/04 Bay of Quinte Mutual Insurance Company is among a growing number of insurance companies that are refusing to cover risks associated with spreading sludge on farm fields. Jeff Howell, the branch’s general manager, said while they have no qualms with farmers spreading animal manure onto fields, human feces is another story. “When they’re having something foreign brought into it, that’s totally different.” “It has to do with what our reinsurance will allow,” Howell explained. “It’s an environmental risk” ***********************************************************************************************************************************
  • MARYLAND: University of Maryland:
    EXCERPTS Sewage sludge is the waste product collected from municipal sewers. It is a mixture of human, commercial and industrial wastes. Safety is a major concern because sewage sludge may contain heavy metals such as copper, lead, chromium and cadmium. If sewage sludge is applied to the soil in excessive amounts over a number of years, unusable crops, injured or dead plants and heavy metal pollution of rainfall run off may result. . "However, the liability (of the sludge company) is limited to fulfilling the needs of the permit and is in effect only during the term of the permit. Any additional or long-term liability for future physical or environmental damage on the part of the landowner or sewage sludge user remains undefined." **************************************************** Could the following cases be why insurers are getting leery of providing indemnity against sludge pollution:
  • FARMERS WHOSE DAIRY COWS AND LAND WERE DESTROYED BY AUGUSTA, GEORGIA, SEWAGE SLUDGE ARE COMPENSATED BY CITY'S INSURANCE COMPANIES . . . .
    Settlement ends suit over sludge Insurers will pay family, take care of legal fees By Sandy Hodson| Staff Writer Thursday, September 20, 2007 1 commentPRINTEMAIL “Lloyds of London, National Union Insurance Co., Coregis Insurance Co. and St. Paul Insurance Co. agreed to pay $1.3 million for the cost of defending the city in the Boyce lawsuit. The companies will pay the McElmurray family $1.5 million to settle their case.” ***************************************************************** Missouri Court of Appeals, Southern District Case Number: 22675
  • MISSOURI - another dairy farm destroyed by sewage sludge . . .
    [This lawsuit was a fight over whether or not the City of Sparta, Missouri, has insurance coverage for the damage their sludge did to Ed Roller's dairy farm - the critical point here is that the City admitted liability and agreed to pay Ed Roller compensation because its sewage sludge did kill his cows and damage his dairy farm.) The court found: "3. The sludge contained "substances and compounds, toxic to humans and animals, i.e., fluoride, cadmium, lead, mercury, iron, arsenic, aluminum, selenium and molybdenum." Said substances and compounds migrated from Bradens' land to Rollers' farm, causing damage including diminished milk production, death of cows and loss of breeding opportunity. " *******************************************************************
  • MICHIGAN - AUGUST 2003 Nitrates pollute water in 2 counties Industrial byproduct suspected of leaking into Manistee, Mason wells "Because its origin typically lies in sewage disposal systems, runoff from barnyards, fertilized fields, and industrial waste, nitrates also can indicate the presence of other contaminants. " "In 1999, former Filer Township residents Stephen and Cindy McLintock discovered nitrate levels almost three times above the DEQ's allowable level as they tried to sell their house. Her family sued the cardboard mill and a tree farm across the street from their house for the premature death of her baby, which they blamed on nitrates in the water from overapplication of the sludge. The case was settled out of court last year, but it prompted further testing at former sludge dump sites. *******************************************************************************
  • POLICY OF THE NATIONAL FARMERS UNION - ENACTED BY DELEGATES TO THE 101ST ANNIVERSARY CONVENTION, ANAHEIM, CALIFORNIA - FEBRUARY 28 - MARCH 3, 2003
    quote on page 64 National Farmers Union Opposes Class B sewage sludge At its March 2003 Annual Convention the Delegates of the National Farmers Union enacted a 112-page Policy. On page 64 the policy states: The current practices of disposing hazardous wastes in existing landfills and surface mine sites, spreading hazardous wastes and Class B biosolids on land surfaces, and injecting hazardous wastes in deep-well sites should be discontinued. ***************************************************************************
  • BLO fecit 20080223 - PA Sludge index