If somebody lives in an area that is at a high risk of a hurricane, then they may be wondering whether a hurricane insurance policy will cover any damage to their grow house. This article will answer many of the more burning questions that people have about this.

Hurricane Insurance Is Not a Separate Policy

Hurricane insurance is not going to be part of standard homeowner's insurance. It is going to be an add-on to a policy. This means that the coverage will need to be paid extra.

If somebody lives in an area that is at high risk for hurricanes, then the insurance company will likely be pushing their hurricane insurance quite heavily. If the risk isn't huge, but still there, the person seeking insurance will likely have to contact the insurance company to add a hurricane policy onto it. A person should never assume that they are covered in the event of a hurricane unless they have been explicitly told that they are going to be covered.

A standard insurance policy without any hurricane addon will cover heavy winds and rain. However, if that storm is defined as a hurricane, then the policy will likely not cover any of the damage related to a storm.

Does Hurricane Insurance Cover Your Grow House?

In almost all cases, yes.

If hurricane insurance is purchased, then it should cover all property that can be classed as part of a person's home. This includes a grow house, no matter how large or small it is. Although, when purchasing home insurance, there may need to be a declaration made that there is a grow house on the property. Well, at least if it is a separate building.

This advice only applies if the grow house is being used for personal reasons, though. If it is part of a business enterprise, then standard homeowners insurance, hurricane addon, or otherwise, may not cover it. Those people may need to purchase separate business insurance. Of course, the policy terms and conditions will list everything that a person needs to know.

The Plants Being Grown Must Be Declared When Obtaining Hurricane Insurance

If somebody is looking to get a quote for hurricane insurance on a grow house, then they do need to ensure that they mention to the insurer that they have a grow house on the property. The most important thing, however, is to declare the plants that are being grown.

Of course, the main reason why people have a grow house is that they are growing marijuana plants. Each state will have its own restrictions on how many plants can be grown for personal reasons. If more plants than the legal maximum are being grown, then there is a good chance that they won't be covered.

How Hurricane Insurance Works for Grow Houses

As mentioned, hurricane insurance is going to be a policy add-on. This means that many of the terms and conditions for hurricane insurance will be exactly the same as the standard home insurance policy.

When somebody holds any form of insurance, they need to pay special attention to the deductible. This is the amount that the insurance company will require somebody to pay out of their own pocket before the policy kicks in. So, if the deductible is $100, somebody would have to contribute $100 toward the repair of their grow house before the policy payout becomes active.

There will also be caps on the amount of cash that the home insurer is going to be willing to payout. However, the caps for a hurricane insurance policy should be more than enough to cover any damage to a grow house. The policy will often cover damage well into the tens of thousands of dollars. This is important because there will likely be other types of damage to the property too.

The Damage That Is Covered

There may be small nuances in each of the hurricane insurance policies. This means that if somebody has a home insurance policy, they should go through the terms and conditions to know exactly what is going to be covered.
In most cases, hurricane insurance will cover the entire cost (minus the deductible) of the grow house. This means the physical grow house. The lighting and the plants inside.

The one thing that the policy is unlikely to cover would be any business losses from the loss of the grow house. Although, as mentioned previously, this is something that should be expected since most typical home insurance policies will not cover business activities anyway.

Contacting the Insurer

The way in which a claim can be made on a policy will vary between insurance companies.

In almost all cases, it will start with a phone call to the insurance company to make them aware of the damage.

In the case of hurricane insurance, the insurance company will likely provide a lump sum of cash upfront to help the homeowner get back on their feet after a hurricane. However, they will tell the owner that they can spend more cash than this. They need to keep hold of the receipts and submit them to the home insurance company. The home insurance company will then give a rebate on those receipts.

Some insurance companies may not even require the policy owner to pay for anything out of their pocket. The policy owner will just have to tell the insurance company about any expenses, and the insurance company will pay out the cash for them.

Conclusion

If somebody lives in an area with a high number of hurricanes, then purchasing a hurricane policy add-on to an existing home insurance plan is vital. It could even cover damage to growing houses during a hurricane.

You can discover more about hurricane insurance for homeowners at WealthyMillionaire.com.

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