The TSWV is currently causing problems for tobacco growers. Some are seeing what looks like heavy early losses from the virus with no positive outlook for recovery. Most tobacco growers insure their crop for losses.
Hail insurance covers losses from hail.
Multi-Peril insurance covers losses of all sorts, and the TSWV is a bona fide cause of reduced yield. It insures some level of tobacco production . If the yield drops below this level of coverage , the insurance pays for pounds below the insured level at some market price . The grower should get an insurance adjuster to look at the crop and do a plant count . The appraisal can only determine the current percent of infected plants, but it cannot show how the uninfected plants will grow for the remainder of the season.