When HMI was formed in 2003, the founders envisioned a database of replacement costs for trees and woody shrubs that would enable the insurance industry to develop policies providing property owners with coverage. In this way, we hoped to increase awareness about the intrinsic value of trees and shrubs and in turn, efforts to acquire and preserve them. Today much of HMI’s business revolves around helping property owners recover from the loss of their valuable trees. HMI is proud to contribute to the One Tree Planted foundation to play a small part in the global effort to restore tree canopy lost by storms and wildfires.