I'm not trying to be a dick and I doubt anyone on here is.
If you have a fire regardless of the reason the insurance company is going to try to deny you. That's kind of what they do.
The fact that they have seen your room empty or not they have already prepared your denial letter.
If your room was inspected as safe then you would have a valid argument in court if they denied you.
Everyone should and does make the decisions regarding their rooms and no one is trying to convince anyone of anything.
The Dik comment was for the gb123 asshole. Sorry didn't mean to paint everyone with his brush...apologies.
But, God I feel like I'm in a vacuum. You can fight, argue, and defend all you want with a total loss, the fact is MMJ is currently not covered by the insurance industry, legal or not!
If you're growing MMJ it's not just fire to worry about. Anything that brings a claims adjuster to your home for ANY claim and they see you're growing MMAR, you will be denied....regardless of what the claim was form. Then, once they find out about your MMAR grow...epect a letter in the mail with your "denial of claim" and also stating that your coverage has been canceled because of said MMAR grow.
Of course I now have some "forced" piece of mind with Lloyds because my room is empty and no cultivation is taking place. Even if something were to happen in the grow room itself, I am covered as long as there was no MMJ cultivation taking place....which is fukd in of itself.