2. "Can you win the lawsuit?" ：
(1) If there is no stipulation in the insurance contract that snowstorms are excluded, you can win.
(2) You can't win if the snowstorm is stipulated as an exclusion.
3. "How can we defend our rights?" ：
(1) Ask the local vegetable office for an insurance contract and see how the scope of compensation and the excluded part are agreed.
(2) If there is no stipulation in the contract that the snowstorm is an excluded liability: If the insurance company says that freezing to death proves that you have reported to the insurance company without compensation, you can bring the insurance contract to the court to sue the insurance company, and apply to the court for compensation after the snowstorm loss assessment.
4. "At that time, I said full coverage and didn't see the contract." It didn't work at that time. As long as we find the contract and look at the contents of the contract, we will know whether you can get compensation.