According to the climate vulnerability index Pakistan is ranked 12th globally and economic losses of approximately 4.5 billion dollars for the entire economy are anticipated. However, all these 'future' estimates of losses for Pakistan do not consider past adaptations by the farmers in their calculations and thus tend to overestimate climate change induced losses. This paper contributes to the literature by studying the effectiveness of households' adaptation and coping measures regarding the prevention of loss and damage using choice-modelling. In order to assess, whether loss and damage is likely to occur in future and to determine, whether crop-cultivating farmers have well adapted, simulations are run. Farmers are found to adjust their crop choices considering climate and expected income. If farmers adapt, benefits exceeding 300 million dollars are possible for the crop sector. In the business as usual scenario, losses between 4 and 12 million dollars (2030/2090) are found. The findings hint towards well-directed adaptations of farmers in Pakistan, preventing loss and damage.