THAT WAS MY WORST FEARS RIGHT THERE YOU JUST POSTED ! back in 91 I went to work wondering if I see cops to bust me or a fire , back then they didn't talk about humidity or anything like that , all they talked about what type of light & the methods of growing so i used only a Hid light it grew wonderfully but too much of stress especially once your house is practically paid off then have a fire ? no spank you ( ͡° ͡°)
I showed my wife that owned a nursery in 1 house on this property ,never needed to tell the ins. co she had a fire & was covered , unless it's not legal in your state or didn't have a medical card, but still risky, but with LEDs that run cooler & less heat which will use less amps & create heat in your wires, reading about breakers running weak & won't flip when it should, etc.MH & HPS are the culprit for fires, this is all news to me ,I'm sorry that you have gone through that, I done some reading concerning to this , this is what I came up with concerning growing medicinal marijuana
In general, homeowners insurance will cover damage to your home unless the policyholder caused it intentionally, said Fabio Faschi, property and casualty team lead for Policygenius.
"If you purposely commit arson and set your house on fire while it has a bunch of marijuana in it, it's not going to be covered," Faschi said. "But if you accidentally drop a match and set your house on fire, it's still going to be covered."