What's new
  • Happy Birthday ICMag! Been 20 years since Gypsy Nirvana created the forum! We are celebrating with a 4/20 Giveaway and by launching a new Patreon tier called "420club". You can read more here.
  • Important notice: ICMag's T.O.U. has been updated. Please review it here. For your convenience, it is also available in the main forum menu, under 'Quick Links"!

Help! Inspectors! Did I say help?! Help!!!

Red Fang

Active member
Veteran
Ok let's start off by saying I am in partnership with my brother (we own the house 50/50) and although normally a very bright guy, in this case he was a total utter idiot and I was just as bad for not talking him out of it. The homeowner's insurance was set to expire and they hiked the rate because of a minor accident of his and when he cancelled that and went with another insurance provider to save money, he later decided to put the homeowner's insurance with them as well.

They said there MIGHT be an inspection, I guess we just thought they just threaten all new initiates with that and we would not be affected. Today, we get a yellow card in the mail saying we have 3 days to call to set up a time for an internal inspection and given a number to some inspection company to call to set up that time.
well, I have plants under 1000W in a tent in the basement, and plan to put them in a room twice as large when they get bigger. There they will flower until October at least, 2 to 2 1/2 months from when I put them in there.

So now what? Please help! I need answers! Do I move them and dismantle all ducting? Well I know if I go ahead with this, I do indeed move them but where? I have an old shed that has holes in it and is mouse infested, and a newer shed also starting to get holes and a few mice. The older shed is more hidden in the back but has no electricity. The newer shed is right by the main drive but does have electricity (both have no insulation and are not very secure). so what do I do? Do I:

1). Have him cancel the new insurer and go back to the old one (who gave no guarantees they will also not inspect but far less likely)?

2). Try putting it off as long as possible and then....?
3). pull all ducting, patch all holes in the sheetrock from the ducting and remove all lights, tent, ducting etc and put the plants in the re-assembled tent with carbon filter in the new shed?
4). some other option?

We are in a rural area but within view of a neighbor or 2, a little smell may be no issue but no idea how much is safe. We are semi-isolated but like I said still in naked eye view of at least one neighbor. I could move things at night, and a u-haul may cause more suspicion than it is worth as the inspector could ask why we are moving if taking out a new policy. Did I say help????
thanks in advance for any and all help!

Ps Upon further reflection, I see this probably belongs in the security thread. please feel free to move it. thanks
 

Tokesy

Member
I wouldnt sweat it too much, I've had a few insurance inspections over the years and there not huge deals, their mostly looking for glaring liabilities, diy hack wiring, furnace properly ducted, hand rails on stairs ect. 1/2hr to 1hr of a guy walking around with a clipboard checking shit off

That said the last one I had before I went legal, I cleaned up everything and moved it into a uhaul which I left parked in my driveway, put everything back as soon as he left...huge pain in the ass but the wife felt better about it.

Just remember your the homeowner and are paying for a service, they have a right to inspect and you have the right to throw them the fuck out if u dont like their vibe...
 

Chunkypigs

passing the gas
Veteran
put the plants into sealed wardrobe boxes in a shed before it gets light the day of the inspection. leave the equip packed into huge totes in the house. cover up the damaged
drywall with posters, or stacked up boxes. pack enough shit that the inspector won't try to move it.

sounds like a bummer, good luck!
 

Red Fang

Active member
Veteran
thanks tokesy! That both reassured me and triggered other ideas. They know we have wood heat, and they know it is a finished basement (although unused). Point is, the rooms may look a bit odd if they need to go there but if there is no smoking gun of growing, what can they do? I am more paranoid, my bro almost not paranoid enough. He suggested, or I suggested and he agreed with, trying to keep that area off limits by saying a sick relative lives there and can't be disturbed or it is just a storage room all full of junk no need to see that. Try to lock it or not let them in there. He suggested leaving the ducting and holes in the wall, and initially leaving everything but I talked him out of that but still a debate on whether to leave all but the plants or get rid of anything suspicious. But if you resist can they call the cops or as I wondered, bring the cops with them as a precaution against violence?

Ok I like live in a cave, my bro knows more than me but we are still kind of isolated here. So please elaborate Chunkypigs, What are wardbrobe boxes and totes?
 

Red Fang

Active member
Veteran
so how thoroughly do they search? Will they go into my room and say "heh heh heh nice posters"? or do they have just a quick look around and may not even go in the basement? I had a cable guy in the basement not long ago 25 feet or less from the room but then he was just looking at the modem or whatever, was not there to inspect and did not even look toward that opposite side of the basement.
 

MIway

Registered User
Veteran
sometimes they just drive by, take a pic, never go inside.

just cancel it... try the old... worst case, wait til after the crop then get the insurance. doubt the house is burning down in next two months... take the shot.
 
S

SeaMaiden

The last time we had an insurer come to physically inspect a home it was our cabin that we rented out. The renter let him in and then proceeded to let him see a shit-ton of weed, bongs, pipes, maybe even the growing room. I was pretty upset with the renter because I was worried our coverage would either be dropped or the premium raised.

In the end, it was all good. Maybe the renter even smoked out the inspector, I don't know.
 

Red Fang

Active member
Veteran
sometimes they just drive by, take a pic, never go inside.

just cancel it... try the old... worst case, wait til after the crop then get the insurance. doubt the house is burning down in next two months... take the shot.
that is what I thought! Cancelling sounds like the best option for now!

The last time we had an insurer come to physically inspect a home it was our cabin that we rented out. The renter let him in and then proceeded to let him see a shit-ton of weed, bongs, pipes, maybe even the growing room. I was pretty upset with the renter because I was worried our coverage would either be dropped or the premium raised.

In the end, it was all good. Maybe the renter even smoked out the inspector, I don't know.

My guess is that was in Cali, would never try that here, cool story though!
 

Rasta311

Member
If the bank owns the house most likely they require you have insurance and will not let it lapse. This is perfect for your situation. Once you cancel or stop paying your current insurance your bank will automatically sign you up for the banks own insurance. This will cost more per month but at least you wont be out of insurance for a few months and it also fixes the inspector problem.

After you chop do what you need to do and get the inspector out there and get on the new insurance.

Hope this helps brother.
 

Red Fang

Active member
Veteran
well we cancelled and went back to the original provider. I hope they don't decide to inspect but not likely since they were our insurers before. thanks for the help and ideas!
 
Top