Table of Contents
Disclaimer.……...….…………………………………...……2
Building Adjustments……………………………..……...…2
Farm Shop……………………………………….…………..3
Quonset Building……………………………….………...…4
Machine / Pole Buildings………………………….………..5
Silos-Concrete and Metal………………………….……….6
Garages…………………………….……………….……….7
Hoop Buildings………………….………………….……….8
Dairy Barns……………………..…………………….….….9
Manure Holding Systems………...….…………………….10
Grain Bins………………………………………………….11
Grain Pipe and Legs……………...…………………….….12
Older Barns and Sheds……………………………………13
Bulk Storage Tanks………………………………………..14
Horse Buildings……………………………………………15
Poultry Buildings…………………………………………..16
Hog Buildings……………………………………………...17
U.S Weather Data………………………………………19-20
Depreciation………………………………………………..21
Provided by
And Affiliated Reinsured Companies
And Associations.
1
Disclaimer of Warranties
Disclaimer of Warranties: Information contained in this electronic booklet is intended to be used as a
general guide only. Information has been obtained from several sources generally believed to be reliable.
Although every effort has been made to assure accuracy and quality of this material, No Warranty
(expressed or implied) can be made as to its accuracy or completeness of the material contained herein.
NO WARRANTY of merchantability, fitness for a particular purpose, or any other warranty is made or to
be implied with respect to this electronic booklet and its contents.
In no event will Farmers Mutual Hail Insurance Company or any subsidiary or affiliate be held liable for
any damages, direct or indirect, consequential or compensatory, including without limitation, lost profits,
for any representations, breaches or defaults arising from the use of this booklet.
***Building Adjustments***
Insulation & Covering -Concrete Floor -Heated Floor --
Add $2 per sq. ft. of floor area
Add $3 per sq. ft. of floor area
Add $5 per sq. ft. of floor area
Values in this guide represent basic buildings. “Name Brand” buildings and buildings with
additional options or better construction may be priced higher.
Other Buildings
Corn Crib
Other Frame Buildings
Frame Additions
Block Buildings
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2
$11 per sq. ft.
$15 per sq. ft.
$10 per sq. ft.
$17 per sq. ft.
Farm Shop
Includes Insulation, Wall Coverings and Concrete Floor
Steel Frame
Wood Frame
10ft side walls
12ft side walls
14ft side walls
16ft side walls
$24
26
27
28
28
30
32
33
Options
Wainscot to outside of building $8.00 a linear ft.
Bi-fold doors 1-16ft wide add $4,500, 16-28ft add $6,200, 29ft > $8,000
Heated office with-in shop, $8 per square ft.
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3
Pole
18
20
20
20
Quonset Buildings
Includes Concrete Floor
Under 40ft. long
40 ft. or longer
Wood Frame
Steel Frame
$12 per sq. ft.
$11 per sq. ft.
$13 per sq. ft.
$11 per sq. ft
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4
Machine/Pole Buildings
Steel Frame
Pole/Frame
One Side Open
All Sides Open
Additions
$10 per sq. ft.
$7 - $12 per sq. ft.
$7 per sq. ft.
$4 per sq. ft.
$4.50 per sq. ft.
Bi-fold Door --- Add $5,000 per opening
The cost above is for a basic structure only.
Be sure to add for overhangs, overhead doors, cupolas and wainscots.
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5
Concrete Silos
14-16 feet diameter
18-20 feet diameter
22-26 feet diameter
$320 per linear ft.
$350 per linear ft.
$460 per linear ft.
Unloader
14 feet
16 feet
18 feet
$5900
$6000
$6500
20 feet
24 feet
$7000
$7200
Metal Glass-Lined Silos
Dimensions
17x31
17x40
17x49
17x59
20x32
20x41
20x50
20x59
20x63
20x59
20x63
20x68
Dimensions
20x77
20x87
25x69
25x79
25x88
25x69
25x79
25x88
31x70
31x80
31x89
$33,000
$38,000
$43,000
$47,000
$37,000
$43,000
$48,000
$54,000
$56,000
$54,000
$56,000
$63,000
** - (without trough liner)
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6
**
**
**
**
**
**
$70,000
$77,000
$90,000
$101,000
$112,000
$92,000
$103,000
$114,000
$127,000
$140,000
$155,000
Garages
Includes Concrete Floor
Wood Frame
1 car
2 car
Over 600 sq. ft.
Pole
$17
$16
$15
$13
$12
$12
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7
Basic Hoop Buildings
Up to 72 ft. span cover & truss system only
$4 - $6 per square foot
Over 72 ft. span cover & truss system only
Contact manufacturer
Basic building price does not include end walls, knee walls, pillar systems, concrete floors, doors
or other special features.
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8
Dairy Barns
Includes Concrete Floors
One Story One Story w/ loft Two Story/18” sidewall Milk House Milking Parlor Silo/Feed Room -
Wood Frame
$15 sq. ft.
$20 sq. ft.
$24 sq. ft.
$20 sq. ft.
$23 sq. ft.
$15 sq. ft.
Steel Frame
$11 sq. ft.
$17 sq. ft.
$25 sq. ft.
$19.50 sq. ft.
$21 sq. ft.
$11 sq. ft.
Block or Concrete Lover Level add $2 per sq. ft.
Per Cow Method - $2,500 - $3,200 per stall (incl. Equipment)
Free Stall/Curtain Barn--$12
Additional Features – Dairy Barns
Automatic Feeders $70 per. Ft.
Barn Cleaner $35 per linear ft.
Loafing Free Stalls $100 per stall
Parlor Stalls – Herring Bone $250 per stall
Parlor Stalls – Walk Through $200 per stall
Tie Stalls $70 per stall
Pipeline & Equipment
$76.50 per linear ft.
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9
Pole
$9 sq. ft.
Liquid Manure Holding Systems
Includes Pump and Agitator
Dimensions
42x14
41x19
42x23
42x28
62x14
62x19
62x23
62x28
New
$37,000
$43,400
$52,000
$59,400
$55,200
$65,800
$79,600
$96,500
Dimensions
81x14
81x19
81x23
81x28
101x14
101x19
101x23
101x28
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10
New
$77,400
$97,600
$123,000
$152,700
$103,100
$137,900
$171,900
$215,300
Grain Bins
Includes Concrete and Electrical
Bushel Capacity
1,000 – 1,500
1,501 – 5,000
5,001 – 10,000
10,001 – 25,000
25,001 – 50,000
Over 50,000
Cost per bu.
$1.80
$1.30
$1.15
$1.08
$ .80
$ .70
Perforated Floor
$1,300
$1,400
$2,600
$4,200
$8,800
Cross Augers -- $26 per linear foot
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11
Stirator
$1,400
$1,600
$1,900
$2,200
$6,800
Dryer
$2,600
$3,900
$4,500
$4,500
$5,300
Elevator Leg-Pipe and Equipment
Discharge
Height
30 ft.
40 ft.
50 ft.
60 ft.
70 ft.
80 ft.
90 ft.
100 ft.
110 ft.
120 ft.
1,000
$21,900
$22,600
$23,500
$24,400
$25,100
$26,000
$26,900
$27,700
$27,900
$29,300
1,500
$22,000
$22,800
$23,700
$24,700
$25,500
$26,400
$27,200
$28,400
$29,300
$30,000
Bushels per hour
2,000
3,000
$22,400
$24,400
$23,400
$25,400
$24,300
$26,900
$25,100
$27,800
$26,500
$28,900
$27,400
$30,100
$28,200
$31,900
$29,200
$32,700
$30,200
$33,600
$38,000
$40,200
4,000
$25,500
$26,700
$27,800
$28,800
$30,600
$31,800
$33,000
$34,100
$36,300
$43,800
5,000
$32,100
$33,700
$35,100
$36,700
$38,100
$40,600
$42,100
$43,600
$46,100
$47,700
Downspout
Add $2,600 for each downspout.
The following guidelines may be helpful in determining the capacity of the complex.
Bushels per hour
Bucket size
Distance center to
center of buckets
1,000
9”x16”
1,500
9”x16”
3,000
9”x6”
4,000
9”x6”
5,000
15”x6”
20”
15”
10”
5”
71/2”
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12
Older Barns and Sheds
Older buildings present a challenge to many in the insurance industry. Many of the older buildings
are either no longer in use or are being used for something other than their intended purpose.
If the building is structurally sound, still being used in the farming operation and the building
would be replaced if it were destroyed then the building may be insurable.
What value do you use? The values stated below are general valuations that reflect the increased
cost of repairs to these older buildings as opposed to newer standard construction.
Wood Frame Structures
One Story One Story w/ loft Two Story/18” sidewall -
<2,000 Sq Ft
$20 sq. ft.
$24 sq. ft.
$28 sq. ft.
>2,000 Sq Ft
$18 sq. ft
$ 20 sq. ft
$ 24 sq. ft
*If the building has been modified for machinery storage, living quarters or junk storage, the
values listed above may change dramatically.
* Values used are based on replacement or repair using standard building materials commonly
available today.
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13
Bulk Storage Tanks
Diameter
5-6 feet
7-9 feet
7-9 feet
Over 9 feet
Over 9 feet
Capacity
5 tons
7 tons
11 tons
15 tons
23 tons
Cost
$1,600
$2,100
$2,600
$3,100
$3,600
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14
Basic Horse Buildings
Barn/Stable
Arena
Box Stalls
Pole
$13 per sq. ft.
$12 per sq. ft.
$1,100 each
Wood
$18 per sq. ft.
$11 per sq. ft.
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15
Steel
$20 per sq. ft
$11.00 per sq. ft.
Basic Poultry Buildings
Dirt Floor
Arkansas and Missouri
32 ft wide truss
43 ft wide truss
Metal Frame
$11 per sq. ft.
$14 per sq. ft.
Metal Truss/Wood Frame
$11 per sq. ft.
$14 per sq. ft
Iowa, South Dakota and Illinois
30 ft wide truss
40 ft wide truss
Wood Truss and Frame
17-21 per sq. ft.
20-22 per sq. ft.
Costs do not include heat or insulation or special equipment.
Note-As farmers continue to build larger buildings, the price per SQ. FT. may actually decrease.
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16
Basic Hog Buildings
Full Confinement
Includes Concrete Floor
Wood Frame
$25 per sq. ft.
Breeding
Gestation
Farrowing
Nursery
$25 per sq. ft.
Finishing
$20 per sq. ft.
W/O Slatted Floor & Pit ------- Deduct $10
Pole Frame
$23 per sq. ft.
$24 per sq. ft.
$19 per sq. ft.
(Per Hog Method)
Hog Finishing - $185 per pig/over 1,000 - $177 per pig
Nursery/with Total Pit - $120 per pig/over 1000 pigs - $115 per pig
Nursery/with Outside Pit - $145 per pig/over 1000 pigs - $140 per pig
Gestation/with Stalls - $600 per sow
Gestation/Pens - $500 per sow
Additional Entries & Utility Rooms - $20 per square foot
17
Additional Features – Hog Buildings
Farrowing Barns and Nursery
Steel farrowing crates
Gestation Stalls
Nursery Pens
Nursery Feeders
Heaters
Ventilating Fans
Automatic Waterer
$300 per crate
$180 per stall
$23 per linear foot of pen
$150 each
$500 each
$750 each
$55 per pen
Finishing and Confinement Barns
Wood Pens
$12 per linear foot of pen
Steel Pens
$24 per linear foot of pen
Masonry Pens
$16 per linear foot of pen
Feeder, Overhead,
Semi-automatic Operation $32 per linear foot of pen
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18
Annual snowfall
19
Power Wind
Class Power
(W/m2)
1
Speed*
(m/s)
Annual Average Wind Resource Estimates in the
Contiguous United States
<5.6
5.66.4
6.43
300-400
7.0
7.04
400-500
7.5
7.55
500-600
8.0
8.06
600-800
8.8
7
>800
>8.8
*Equivalent wind speed at sea
level for a Rayleigh
Distribution
2
<200
200-300
20
Return to Table of Contents
Depreciation Guide for Farm Service Buildings
Condition of Building
Worst
Best
Age of Building
9
8
7
6
5
4
3
2
1
0
0 to 2 years
3 to 4
5 to 6
7 to 8
9 to 10
11 to 12
13 to 14
15 to 16
17 to 18
19 to 20
21 to 25
26 to 30
31 to 35
36 to 40
over 40 years
95%
89%
83%
77%
71%
65%
59%
53%
47%
41%
90%
84%
78%
72%
66%
60%
54%
48%
42%
36%
85%
79%
73%
67%
61%
55%
49%
43%
37%
31%
83%
77%
71%
65%
59%
53%
47%
41%
35%
29%
80%
74%
68%
62%
56%
50%
44%
38%
32%
26%
78%
72%
66%
60%
54%
48%
42%
36%
30%
24%
75%
69%
63%
57%
51%
45%
39%
33%
27%
21%
73%
67%
61%
55%
49%
43%
37%
31%
25%
19%
72%
66%
60%
54%
48%
42%
36%
30%
24%
18%
70%
64%
58%
52%
46%
40%
34%
28%
22%
16%
68%
62%
56%
50%
44%
38%
32%
26%
20%
14%
65%
59%
53%
47%
41%
35%
29%
23%
17%
11%
63%
57%
51%
45%
39%
33%
27%
21%
15%
9%
62%
56%
50%
44%
38%
32%
26%
20%
14%
8%
60%
54%
48%
42%
36%
30%
24%
18%
12%
6%
Condition of Building Guide
9
8
7
6
5
4
3
2
1
0
Excellent condition, like new
Well maintained with minor normal deterioration
In need of minor maintenance in and around structure, livestock structures
Routine maintenance needed to building, structurally sound. Paint fading.
Average condition structurally sound but some outside components in need of replacement
Below average condition, minor structural deterioration has occurred. Siding and roof in need of replacement
Structure is in need of immediate repair. Major repairs have been postponed to long.
Structure is not being used and major renovation is necessary
Extensive structural decay. Building in need of complete renovation.
Not insurable
The percentages listed above are to be used as a guide only.
Not all buildings depreciate at the same rate.
Buildings that are used extensively by livestock, poultry or machines depreciate faster than others.
The condition of those buildings deteriorate faster than most.
21
Return to Table of Contents
Glossary of Construction Terms
ANCHOR BOLTS: Bolts used to secure the sill plate to the foundation wall.
AREAWAY: An open space around a basement door or window to admit light.
ATTIC VENT: Openings in the attic to provide ventilation to the outside. Used to remove humid air from the
attic so that moisture does not accumulate.
BEARING WALL: A wall that supports any vertical load in addition to its own weight.
BOLSTER: A short horizontal beam on top of a column to decrease the span of the beams.
BRIDGlNG: Small wood or metal members inserted in a diagonal position between floor joists to spread
floor loads between joists.
COLLAR BEAM: 1 or 2" thick members connecting opposite roof rafters to stiffen the roof structure.
COLUMN: A vertical load-supporting member. A lally column is a round steel column sometimes filled with
concrete, supporting the girder.
CONDENSATION: Beads of water accumulation when moist warm air meets cooler air. When the dewpoint
is reached, condensation occurs.
CONDUIT: (electrical) A metal pipe in which wire is installed.
CONTROL JOINT: A joint in concrete to minimize cracking due to shrinkage.
CORNICE: Overhang of a pitched roof at the eave line, usually consisting of a fascia and soffit.
CRAWL SPACE: A low space below the living quarters of a basementless house.
DECAY: Disintegration of wood through the action of fungi.
DORMER: An opening in a sloping reef, the framing of which projects out to form a vertical wall.
DRYWALL: Interior covering material applied in large sheets or panels.
DUCTS: Round or rectangular pipes used for carrying air from the furnace or air conditioner to rooms.
EAVES: The lower point of a roof projecting over the wall.
EFFLORESCENCE: White, powdery substance on masonry due to the evaporation of salt-laden water.
FASCIA: A board nailed to the ends of roof rafters, usually supporting the gutter.
FLY RAFTERS: End rafters of the gable overhang.
FOOTING: A rectangular masonry section below the frost line supporting a foundation wall or pier.
22
FROSTLINE: The depth of frost penetration in the soil.
GABLE: The portion of the roof above the eave line in a double-sloped roof.
HEADER: A horizontal beam into which joists are nailed. Also, a wood lintel.
HIP ROOF: A roof that slopes from all four sides of a building.
JOIST: On. of a series of horizontal parallel beams used to support floor loads.
LINTEL: A horizontal member supporting the load over an opening such as a door or window.
LOOKOUT: A short bracket to support the soffit, usually concealed.
MUNTIN: A small member. that divides the glass of sash or doors.
O.C.: On Center, the center-to-center spacing of studs, rafters, etc.
RAFTER: One of a series of parallel beams used to support roof loads.
RAIL: Horizontal member of sash.
RIDGE: The horizontal line at the junction of the top edges of two sloping roof surfaces.
SADDLE: Cricket - Two sloping surfaces meeting in a ridge, used often at the back of a chimney.
SASH: The frame of window or door panes.
SILL: The lowest member of the house frame, resting on the foundation.
SLEEPER: A wood member embedded in concrete to support flooring.
SOFFIT: The underside of the cornice.
STILE: Vertical member of the sash.
STRINGER: A support for cross members in floor. Also, stair support.
23
Builders Math
There are many ways in which to measure a roof. This section will show one method of
how to properly do it. We’ll express our final answer in "squares". In all roofing except
polyurethane foam, roofers express Area in "squares".
1 square = 100 square feet
Before you get started, you need to know some simple geometry.
The base length (b) times the height (h) of any triangle is twice
its area (A). So if you divide the product of the base and height
by two, then you have the area of a triangle.
(b×h)/2 = Area
Therefore, the following two triangles, R and H, though different in looks and shape, have
the exact same area.
(20' × 20')/2 = 200 square feet
Now that you know this simple mathematical fact, you will easily understand how to
measure the following roof.
The picture shown is an aerial view of a roof with both a hip end and gable ends. It is
strongly recommended that you make a rough sketch of your roof. In order to make it
easier for measuring, the roof will be broken up into sections A through F.
24
Section A
This section is a simple triangle. Simply measure the length of the eaves and the
perpendicular line from the eaves to the peak. Multiply these numbers and divide the
answer by two.
(30' × 15')/2 = 225 square feet
25
So Section A has 225 square feet in it.
Section B
The easiest way to measure this section is to divide it up into three different sections: x, y,
and z. It’s pretty obvious that sections x and z are the same size, even without being
marked. But because it’s much easier to work in theory and numbers on pieces of paper
(like architects do) than actually performing the construction (like contractors do), it’s
always a good idea to go ahead and measure both triangles.
x = (15' × 15')/2 = 112.5 square feet
y = 55' × 15' = 825 square feet
Because we know that z is equal to x after measuring, we’ll simply add another 112.5
square feet to our current list of numbers.
So Section B has a total of 112.5 + 112.5 + 825 = 1,050 square feet.
26
Section C
Again, with this section it’s pretty obvious that we have symmetrical sides. Let’s go ahead
and divide it up into sections, measure one side and get the answers that we want and
then we’ll check the other side.
w = 30' × 15' = 450 square feet
y = (15' × 15')/2 = 112.5 square feet
A quick measurement verifies that x and z are the same as w and y so we’ll multiply the
sum of w and y by 2 for the final Area.
Section C = (450 + 112.5) × 2 = 1,125 square feet.
Section D
x = (15' × 15')/2 = 112.5 square feet
y = 10' × 15' = 150 square feet
27
Section D = 112.5 + 150 = 262.5 square feet
Section E
This section has several different subsections so we’ll have to be careful and make sure
we do it right. If your roof has a section similar in shape, double check your sketch to
make sure that every piece is either rectangular or triangular.
s = (15' × 15')/2 = 112.5 square feet
t = 40' × 15' = 600 square feet
Remember to check both small triangles in the center part to make sure that they are the
same size.
x = (10.5' × 10.5')/2 = 55 square feet
y = 21' × 4.5' = 94.5 square feet
The actual answer of x is 55-1/8 square feet, but we rounded off for ease of measuring.
z = 34' × 15' = 510 square feet
28
Be careful adding all of these up. Remember that there are two different x sections so
we’ll need to add it twice. Section E = 112.5 + 600 + 55 + 55 + 94.5 + 510 = 1,427
square feet.
Section F
This section is simply a smaller version of Section C so we’ll do it the same way.
w = (10.5' × 10.5')/2 = 55 square feet
y = 20' × 10.5' = 210 square feet
Don’t forget to make quick measurements to ascertain that x and z are equal to w and y.
Section F = 55 + 55 + 210 + 210 = 530 square feet.
Sum It Up
Now take all sections and add them up.
Section A
= 225
Section B
= 1,050
Section C
= 1,125
29
Section D
= 262.5
Section E
= 1427
Section F
= 530
Out total square footage is equal to 4,619.5 square feet. Or, roughly 46 squares.
Remember that 1 square = 100 square feet.
30