If theres a fire ? Homeowners insurance

Blue502daytona

Blue502daytona

New Member
If my house we're to burn down . While growing in a legal state. Does homeowners cover it ??? I'm useing leds and its cold in the tent ⛺. so I put a small space heater with auto shut off when it hits 75
 
Blue502daytona

Blue502daytona

New Member
Found this just now. ..

In a 2015 case in Michigan, a homeowner sought coverage after her house burned down because of her husband’s 28-plant basement grow operation, which involved butane extractions. It appeared he was operating within Michigan’s state law, but the Sixth Circuit Court of Appeals rejected the homeowner’s claim because the policy required her to notify the company of changes which might affect the premium risk, which she had not. Certainly one would argue that conducting butane extraction is inherently risky in a way that simply growing plants is not, but the Court’s reasoning focused not only on the butane risk but also on the fact that the insurance company could not have contemplated a grow operation at all.
 
Midnight Warrior

Midnight Warrior

Well-Known Member
I would say just let them know, maybe even invite them to tour your house so they can be sure you are doing everything responsibly. Take detailed pictures of everything. Anything you can do to cover your ass will definitely help you in the long run.

Until home cultivation is more of a norm, I feel most insurance companies will try to screw you if you don't do your due diligence.
 
Dr. Who

Dr. Who

Well-Known Member
You have to contact your insurance person and see if you need a rider to cover that.

In my experience. IF the electrical box is done right, and the amps being drawn are with in the main box rating......Your golden! But you have to be sure they don't exclude home growing.....There are plenty of people out there who grow other things then we do.....They have to be in the same line as we do......

The thing with that MI case was that the idiot was blasting inside the house......Butane explosion.....Guy was a dumb ass..
 
xtsho

xtsho

Well-Known Member
I use a heater in my tent because it's in an unheated garage. But I use one of those oil filled ones that doesn't have an exposed element and even when it on you can touch the fins. I wouldn't use one with an element behind a screen. The oil filled ones are all sealed up. It works good keeping the temp up in the tent. So good that I ended up with some foxtailing from it getting too warm in the tent. I wasn't monitoring the temps like I should have been. Sometimes I don't even look in the tent for days at a time. But I'd rather have some slight foxtailing than stunted plants from being too cold.

But as far as insurance covering anything you'll need to talk to your insurance company. Policies are different.
 
hotrodharley

hotrodharley

Well-Known Member
"Many legal issues arise out of financing cannabis activities, not the least of which is whether a target property for a cannabis venture is mortgaged by a bank. The standard institutional mortgage contains language that allows the mortgagee to “call” the loan if the property is being used to conduct “illegal activity.” This language relates to federal lending guidelines and is usually nonnegotiable. The question thus becomes: what qualifies as “illegal activity”?"

https://www.foxrothschild.com/publications/cannabis-and-banks-what-qualifies-as-illegal-activity/
 
Kingrow1

Kingrow1

Well-Known Member
Bakersfield said:
Ditch the tent and make a fireproof grow room.
Oversize all electrical systems and or install a sprinkler system if that helps you sleep at night.

An ounce of prevention is worth a pound of cure.
Click to expand...
Sprinklers on high powered lights could possibly make a worse situation maybe...?
 
Bakersfield

Bakersfield

Well-Known Member
Kingrow1 said:
Sprinklers on high powered lights could possibly make a worse situation maybe...?
Click to expand...
Sounds bad but I would imagine it would trip breakers and or any GFCI installed in the system.
I'm not sure how the big boys do it, but I know that commercial kitchens use a dry fire suppression built into the vent hoods that is temperature sensitive.
 
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