Reforestation Application

This policy protects an insured against the unexpected loss of cash reserves by providing owners with cash flow payments to get back in the business of growing timber after a catastrophic fire or wind loss. 

This policy applies to:

  • Consulting foresters managing clients property
  • Family forest owners
  • Financial institutions
  • Investors
  • Mitigation bankers
  • Publicly traded companies
  • Trusts

Premerchantable timber stands are the desired age class for this coverage since those stands offer no salvage value should they be damaged by fire or wind. 

General Description

This insurance is not intended to insure the value of the trees, but the cost of replanting following a catastrophic fire or wind disaster. 

Woodland owners accept the time it takes to grow timber to maturity.  A possible delay in the return on investment because of a fire or wind disaster is tolerated.  However, encountering out of pocket expenses to replant a premerchantible stand can be unbearable. 

Woodland owners will be able to renew this coverage annually.  The coverage can be carried for as many years as the owner wishes to insure premerchantable stands.

Rating Structure

This coverage is priced on an individual application basis.  Premium charged is dependent on past losses, location, total acres, and level of coverage.  Coverage can be tailored to meet the insured’s specific interest or need.  


1 to 1,000 acres 5% of the loss with a $500 minimum deductible
1,001 to 10,000 acres 10% of the loss with a $1,000 minimum deductible

Wind must be excluded on all risks in the State of Florida and on all risks within 75 miles of the coast.

Questions concerning insurance coverage should be directed to:

Davis-Garvin Insurance Agency  -  Forest Specialty Department at (803) 732-8452 or Email.