Insurance question

Thankfully I know where and how its getting in. Just nervous about the next several days of expected rain. Got 98% of the water out lastnight during thebwee hours of the morning. Dehumidifier and space heater working full bore. Im honesy suprised that didnt leak into my tent thank god.

The Hippy said:

Basically if a person has a claim that needs someone to come out...were all cancelled. So we really have no insurance is what is boils down to. Any serious issue will get a visit...see ya what insurance we already don't have. This is a real problem. And a example of unjust insurance bullshit as usual.

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I've been screaming about this exact thing for years.

TheRealDman said:

I've been screaming about this exact thing for years.

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and worked harder at it than anyone!!!

My take on a claim would be to move the grow/equipment if it was worthwhile claiming only, otherwise I'd just deal with it myself. It would have to be pretty major damage to bother claiming and if it met that criteria the grow can go off-site/shut-down until things got sorted out with the insurance.

Not like we have a lot of options, unless you have the papers and specifically let them know, and they were cool with it, and charging you specifically for grow insurance, we'd be sol anyhow...

Sounds like similar laws/contracts to what we have down south of y'all.

My basement flooded out several years ago during a very heavy rain when we still had a couple of feet of snow on the ground. The water table rose up and the water did what it wanted, which was to sit about 2 feet deep in our finished basement.

Nothing was covered. It's right in the policy. If a pipe had broken it would be ok, but water that came in from outside isn't covered unless something that was covered was damaged (like a tree falling on the house) and contributed to it.

Lesson learned. We now have a deep sump with 3 separate pumps, one on battery, to keep the water out. It runs occasionally in similar conditions but the basement is always dry as a bone.

My broker just heard back from his claims buddy, paraphrasing...

They would cover the claim (if it was not related to the grow, and wordings for foundation leaks were included), then immediately cancel the policy on payout because of the grow. The insurance Co's are dead set against homegrown, yet the very same standard companies work with all the LP's on a commercial scale...wtf?

CalyxCrusher said:

Thankfully I know where and how its getting in. Just nervous about the next several days of expected rain. Got 98% of the water out lastnight during thebwee hours of the morning. Dehumidifier and space heater working full bore. Im honesy suprised that didnt leak into my tent thank god.

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Aim some big ass fans at the floor..will help all the other things you doing huge. Industrial home depot type....biggest you can muster anyway. Big CFM will help of course.

I'm not afraid of much...but water in my house...yup.
I also have 2 sumps and a sump buddy...still nervous though. I get the plummer every two years to verify my thoughts that things are working and ready......still scared where I pee though ( pug1 )

The Hippy said:

Aim some big ass fans at the floor..will help all the other things you doing huge. Industrial home depot type....biggest you can muster anyway. Big CFM will help of course.

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You can rent big ass fans, the contractors do that through the rent-all places. You need a submersible to get some of it out if it's deep enough, then blow fans for a couple of days to dry it out. I had my first basement flooded years ago, sump went overnight and had 2" of water in there. I'd built a sub-floor 3.5" off the floor (flower room is like that) so nothing got hit but had to dry for days. Water's a bitch

Me too CC. This is not my first flood and I kept the bare cement floor and put stuff in plastic bins if it has to go on the floor. FWIW, the insurance will likely not net anything other than interest by nosy people. Sorry you lost stuff. I only have to wash a few towels. Get bins, they are inexpensive and waterproof.

When I see folks flooded out it makes me weep for them. Just terrible how fast it all goes to hell .

CalyxCrusher said:

Im gonna call city bylaw services and see what they can do. 99%sure he never got permits for that shit

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You can usually check online by address to see if a permit was issued...if one was needed and not granted, you would have a case for small claims court.
Sorry about your mess, living where I am, flooding is a part of life! I fought with a flooding crawl space in my house all winter as well as 4 or 5 of the buildings in the camp I caretake. Lots of pumps, shop vac, blowers and heaters going for about 3 months straight. Thankfully nothing major was ruined, but it's a pain in the ass to cleanup.

zoic said:

Me too CC. This is not my first flood and I kept the bare cement floor and put stuff in plastic bins if it has to go on the floor. FWIW, the insurance will likely not net anything other than interest by nosy people. Sorry you lost stuff. I only have to wash a few towels. Get bins, they are inexpensive and waterproof.

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Good call. I started going through boxes last night and transferring to rubbermaid. Thankfully no sub floor or anything. Just concrete. My biggest worry is the next big storm Friday and Saturday. I also have a trip out to BC at the end of June that Im now basically shitting myself knowing if this happens when Im gone then im really fucked.

Jeez man before you give up on your trip try to MacGyver something to reroute the water. Water takes the path of least resistance so a quick fix (if possible) is to dig a little moat to capture and channel the run off away from your foundation. Temporary repair is still better than nothing right?

TheRealDman said:

No Problemo.

If legalization means everyone can grow, then Insurance CO's have to get on board. I have no idea wtf they aren't already?? They're missing out on $M's...who wouldn't want a standard, affordable homeowners policy that allows MJ grows?!?!

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Really good info Dman, The Med insurance has gotten greedy and cancelled my stuff without contacting me in a one week period recently. I will ditch them as soon as I can.

CalyxCrusher said:

Good call. I started going through boxes last night and transferring to rubbermaid. Thankfully no sub floor or anything. Just concrete. My biggest worry is the next big storm Friday and Saturday. I also have a trip out to BC at the end of June that Im now basically shitting myself knowing if this happens when Im gone then im really fucked.

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Another thing to look at for peace of mind on your trip is a moisture indicator they cost any where from $80 to $200 but well worth it. It's a moisture prob that reaches the floor and calls what ever phone number u program in it if water hits it .Just a thought

GrowRock said:

Another thing to look at for peace of mind on your trip is a moisture indicator they cost any where from $80 to $200 but well worth it. It's a moisture prob that reaches the floor and calls what ever phone number u program in it if water hits it .Just a thought

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Never thought to mention that, I have one of those under the flooring in my flower room because my sump pump is in there. You just put it 1/8" off the floor and if any water hits it I get a text. My floor has removable panels to access the pump if needed and the odd time I've spilt water I get paged. Cheap peace of mind. Mine is connected to my RF/Wireless RH/Temp monitor and initial cost of the set is not bad. I have 4x Temp/RH probes for each room/tent, a water leak detector probe, and a wet probe which I can use on any of the units when needed, typically I use it to monitor temps in my cloner.
http://www.lacrossetechnology.com/temperature-and-humidity-monitor-and-alert-system/

After that you can connect up to 5 units to the same "hub" which are cheaper and buy the probes like the water detection probe.
http://www.lacrossetechnology.com/add-on-temperature-and-humidity-sensor-with-wet-threaded-temperature-probe-la-crosse-alerts1-1/