TheRealDman
Well-Known Member
It’s never been a problem getting LP commercial coverage.
Insurance
- Thread starter bigmanc
- Start date
WHATFG
Well-Known Member
...of course not....silly me...lol...
zoic
Well-Known Member
Google search revealed a few options. That is all I can offer since I do not need any I have not looked further than that..
https://www.acdinsurance.com/acmpr-insurance/
https://www.medicalmarijuanainsurance.ca/
https://www.acdinsurance.com/acmpr-insurance/
https://www.medicalmarijuanainsurance.ca/
HotKarl2
Well-Known Member
I might as well ask them if they would cover growing tomatoes indoors since legally there would be no difference what plant I chose to grow....
TheRealDman
Well-Known Member
Give em hell!
GreenHighlander
Well-Known Member
My home insurance was done 2 years ago without a visit. I just had to send pictures of and proof my wood stove was Wett certified.
I didn't tell them anything about growing nor does anyone have to.
With a prescription or even growing the 4 rec plants there are zero grounds for the insurance company not to cover and it quite frankly is none of their business. Neither are illicit . There are no rules or laws around this so do not let any cock suckin broker try to say otherwise.
Cheers
The Hippy
Well-Known Member
I'm sorry but I beg to differ Greenhighlander. They don't need a law to cancel or deny coverage. Your contract is with them. And they all say more than four plants and your not covered. They make that quite clear if you check. It will violate your policy instantly. Even the 4 plant thing is relatively new to this home insurance business.
Just because you didn't tell them won't help you in a claim. That only makes you feel better. They own the game of insuring your house. TONS of small print if you start to read the whole book they send you.
You even said you sent pics but I bet not of your grow. Pretending doesn't work. I never had a visit for 22 years...but now all of a sudden they want one. It's not unheard of and somewhat standard. It makes sense, they want to see what they are insuring. I would too if I was them. It's just that everyone hates it.
Essentially most med patients growing more than 4 plants have no insurance. They think and hope they do, but they are only kidding themselves.
Just because you didn't tell them won't help you in a claim. That only makes you feel better. They own the game of insuring your house. TONS of small print if you start to read the whole book they send you.
You even said you sent pics but I bet not of your grow. Pretending doesn't work. I never had a visit for 22 years...but now all of a sudden they want one. It's not unheard of and somewhat standard. It makes sense, they want to see what they are insuring. I would too if I was them. It's just that everyone hates it.
Essentially most med patients growing more than 4 plants have no insurance. They think and hope they do, but they are only kidding themselves.
TheRealDman
Well-Known Member
Wrong!My home insurance was done 2 years ago without a visit. I just had to send pictures of and proof my wood stove was Wett certified.
I didn't tell them anything about growing nor does anyone have to.
With a prescription or even growing the 4 rec plants there are zero grounds for the insurance company not to cover and it quite frankly is none of their business. Neither are illicit . There are no rules or laws around this so do not let any cock suckin broker try to say otherwise.
Cheers
TheRealDman
Well-Known Member
With standard policies you are 110% correct!
GreenHighlander
Well-Known Member
Well goodluck. I am not pretending about anything. Nor am I kidding myself about if I have insurance coverage or not. I sent pictures of my woodstove set up. I didn't send any pictures of my house. The bank sent an inspector for my mortgage insurance but that was before I even took ownership.
I am very well aware of how fucked the insurance system is. I am also very well aware that they cannot deny a claim because you are legally growing weed just like they couldn't if you were growing tomatoes. They may very well come up with another reason to deny a claim, but they cannot use the reason " you were legally growing weed " . Feel free to show me one case where that has happened.
Now they could use that reason to deny coverage, but if it is not in the policy they cannot use that reason to deny a claim.
There is NOTHING in my policy, fine print or otherwise, that says I cannot grow . Some companies may very well have that . Mine does not .
To say no medical patient who provides for themselves has house insurance is nothing more then your opinion and a great way to falsely discourage anyone from doing so.
Cheers
GreenHighlander
Well-Known Member
The Hippy
Well-Known Member
HIghlander I like you...your always a good guy here. But Dman and I are correct. I just between this and my last post got off the phone with a broker. He confirmed everything we are telling you. You can grow 4 plants no issues with your insurance company. That's cool as they have adapted that into their language since Oct 2018.
But more than that and your not covered and very likely dropped. I asked him that exact Q and he confirmed yes.
If no one finds it during a claim they would still pay. But if it is discovered during for instance a repair, you'll be dumped like hot coal. He told me that. I already knew.
That's all the proof I need. I already read that same basic thing on my insurers website. Need more proof? Dare ya to call your broker. You won't cuz you deep down know we are right. You can fool yourself but try your insurance company if you actually need them.
You've already told us you basically hid it from everyone. So you already understand.
We are trying to help, we are not trying to discourage folks. You know that much about me and Dman.
I'm trying to tell folks they need to check their coverage because they're most likely paying for insurance you don't end up having when you need it most...the BIG stuff. WAter damage...wind damage..fire damage..see ya policy.
SCARY...you fuckin bet unless a person lives in Bubble's sched. Even Bubbles thought it was valuable.
We're just toad-a-so-ing ya
But more than that and your not covered and very likely dropped. I asked him that exact Q and he confirmed yes.
If no one finds it during a claim they would still pay. But if it is discovered during for instance a repair, you'll be dumped like hot coal. He told me that. I already knew.
That's all the proof I need. I already read that same basic thing on my insurers website. Need more proof? Dare ya to call your broker. You won't cuz you deep down know we are right. You can fool yourself but try your insurance company if you actually need them.
You've already told us you basically hid it from everyone. So you already understand.
We are trying to help, we are not trying to discourage folks. You know that much about me and Dman.
I'm trying to tell folks they need to check their coverage because they're most likely paying for insurance you don't end up having when you need it most...the BIG stuff. WAter damage...wind damage..fire damage..see ya policy.
SCARY...you fuckin bet unless a person lives in Bubble's sched. Even Bubbles thought it was valuable.
We're just toad-a-so-ing ya
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They will use any excuse to deny you ....Hippy and Dman are VERY correct here.
This is ALL NEW ..
As things stnad today if yer growing more than 4 plants and make a claim and get caught??
..You get nothing..
Not having INS ..................invalidated your MORTGAGE as well..
This is ALL NEW ..
As things stnad today if yer growing more than 4 plants and make a claim and get caught??
..You get nothing..
Not having INS ..................invalidated your MORTGAGE as well..
GreenHighlander
Well-Known Member
Again all I was asking for was proof that this is indeed how it is universally across the country. I didn't " hide " anything. If I was growing tomatoes I wouldn't need to disclose that to them either. It is none of their business.
Until I see it officially in writing it is simply opinion.
I like you dudes too and am not trying to sling shit or talk it. I apologize if I came across that way. I want to know what the actual clause is that allows them to deny a claim and cancel coverage because a person has more then 4 plants. SO if I have a grow using 4000w a plant but only have 4 plants they would be fine with that? As crooked as the cocksuckers are they can't simply make something up that is not present in your policy.
I would also imagine this is different from company to company and province to province.
Cheers
The Hippy
Well-Known Member
You got it GB...no insurance.....no mortgage. Plus here's the extra round bonus they included in the fun. Your house gets listed as a grow-op in the real estate grow op directory or whatever it is. Then try to sell it. Cuz you may need to as your mortgage get cancelled as well from having no coverage.
As Mr. Lahey said " it's s shit-a storm rick " " a shit tsunami " " a shit-valanche "
The Hippy
Well-Known Member
Well that's a good point and rather funny/stupid at the same time Green. Your correct. They don't that I know of they don't talk about wattage. But they specifically mention the legal grow limit of 4. Even if your licensed for more they will not cover you and drop you. FACT !Again all I was asking for was proof that this is indeed how it is universally across the country. I didn't " hide " anything. If I was growing tomatoes I wouldn't need to disclose that to them either. It is none of their business.
Until I see it officially in writing it is simply opinion.
I like you dudes too and am not trying to sling shit or talk it. I apologize if I came across that way. I want to know what the actual clause is that allows them to deny a claim and cancel coverage because a person has more then 4 plants. SO if I have a grow using 4000w a plant but only have 4 plants they would be fine with that? As crooked as the cocksuckers are they can't simply make something up that is not present in your policy.
I would also imagine this is different from company to company and province to province.
Cheers
On the wattage subject if the fire or something else happens and during inspection your setup looks unsafe...BINGO.
If you read your fine print you'll find info about you altering or setting up unsafe electrical equipment. They got it all covered buddy. This isn't their first day at insuring homes. They do a few ya know. How many do you insure....one?
None of us are insurance agents or adjuster that I know of.
Sorry bro but everything you've said is merely your wishful hopeful thinking and not actually reality or fact. It's what you want and expect to happen.
I told ya I talk to an agent this morning on this very subject. And one yesterday. They confirm all we said.
I also said " call your agent" or any agent. Don't even use you name. You get the same answer we're telling .
More than four...your out the door.