Ive owned my own house for the past year and havent had home insurance because I was under the impression that if there was any damage to my home the insurance company wouldnt do anything due to my illegal activity. Is this true or will home insurance cover damage even if there is a grow op. I would understand if they didnt cover due to grow op but if theres damage from a fire that was proven to not be started by my activity , then what. Im loosing sleep with no insurance
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home insurance on a grow op
- Thread starter NGT
- Start date
Insurance companies never miss a chance to fuck you over, so I'd not be surprised at all if they declined to pay for damages from anything, including Hurricanes! If you really need it I'd probably get it and hope to hell I wasn't growing or had a few minutes to clean out the grow room before authorities arrived and filing a claim.
I'd say they'd cover anything so long as it wasn't caused by the grow, like faulty wiring burning the house down or something like that. You'd have to clean the grow up before they came to look at the damages.
Home owners insurance also covers your ass if anyone gets hurt on your property like the UPS guy slips on ice, neighbor gets bit by dog etc.. it's good to have. You sure as hell want to be covered in the event of a natural disaster.
Home owners insurance also covers your ass if anyone gets hurt on your property like the UPS guy slips on ice, neighbor gets bit by dog etc.. it's good to have. You sure as hell want to be covered in the event of a natural disaster.
I agree. Depending on what kind of claim one might have to make, the grow shouldn't matter. If the wind blows the shingles off the roof, they'll never even look in the basement. Tree falls on the neighbor's car, same story. They just send somebody to inspect the actual damage. A pre-policy inspection may amount to a guy saying he drove by & everything looked A-OK, particularly with a high deductible. The agent may conclude that an inspection has been done by him when you signed the papers in your livingroom.
Shop around a bit, NGT.
Here in CO, dunno what happens if the grow burns the house down, but we're covered for everything else.
