Cannabis Farming Claims Are On The Rise

The issue

Cannabis farming claims are higher than they have ever been according to Aviva a leading landlord property insurer. They have reported a 30% rise in residential cannabis farming in the last year.

Not all insurance policies provide cover for the damage that these residents leave behind and the damage can be extensive, including:

• Extensive water damage & condensation from irrigation systems and strong lighting
• Damage from the use of plastic and polythene linings of walls
• Sealing of doors and windows
• Installation of ducting & extractor fans
• Damage to electricity supplies following tampering by tenant to accommodate high-powered lighting

The cost to return the property to a habitable and rentable condition can be horrendous.

Our Advice

Prevention is always better than cure so make sure you have a robust tenant vetting procedure in place. The following vetting suggestions might reduce the risks of ending up with a cannabis farm in your property:

• Consider using a tenant-referencing agency
• Ask for, and validate, references
• Get salary/income verification
• Only accept rental payments electronically, through a bank

Should the worst happen, despite your best endeavours, make sure you select an insurance policy that protects you against this type of event.


More and more insurers are imposing restrictions on their policies where they will only consider claims if a residential property has been inspected every 3 months. This is impractical for many property managers/owners so by default their policy will be excluding claims arising from such incidents.

What to do next

We are experts in property insurance and understand all the issues surrounding events of this type, so if you’d like more information, or would like us to review your cover please call our experts now on:

Call 01789 761660

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