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i would like to answer your question
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ok, did you try calling your homeowners insurance
Every insurance company is different, the first thing i would do is call the company to find out if you have a claim
ok, i will.
Ok, do that first, see what answer you receive, if they do not cover the cost of the ruined hay. There is some other ways that you can try to at least get some of your money back.
I checked further into your problem. I found no insurances that will cover your loss. You can try to get some of the money back from the people you bought it from, if you explain the situation to them. Do you have round bells or square bales? Usually, you can just peel the top layer off that is filled with mold and use the rest. But with horses, they may colic, or founder. You can also try to sell your damaged hay bales to someone with beef cows, The beef cows can eat the inside layers of hay that were not effected by the mold.
did you recieve the rest of my answer.
Thank you. It is down into the stack pretty far. We will try talking to the farmer.