Landlords warned as cannabis claims increase by 30%

Spokesman Matthew Gordon said: “Despite the upgrade of cannabis to a class B drug two years ago the industry continues to grow. We settled 92 cannabis farming claims last year, which is the highest number Aviva has ever recorded.      

“Almost all of the properties were residential and we often find that it is part of a larger operation or that the policyholder has had a couple of properties affected. Cannabis farming comes with serious risks for landlords; properties can be completely ruined inside to make space for plants, water damage can occur and fire poses a risk due to interference with electrics or strong lighting left on for a long time.

“Property owners must be vigilant and there are some simple steps that can be taken. We would advise thorough checks on tenants and regular visits to properties – both internal and external inspections. Permanently closed curtains, blacked out windows and strong smells are all signs that there may be a cannabis factory on your premises.”

Cannabis farming warning signs:

– Walls, ceilings and doors can be lined with plastic or polythene as plants are often grown in individual pots throughout the property 
– Windows will normally have blinds or curtains closed to obscure any activity. 
– Rather than having garden hoses plugged into a sink or basin, the plants are irrigated through pump spray guns, such as those used in a domestic garden.
– High-powered lighting is installed and the electricity has probably been tampered with to bypass the meter.
– A considerable amount of condensation is produced
– A pungent smell, which may be noticed through the walls of adjoining properties, but ducting and extractor fans are often installed and fed through the chimney or flue to prevent this.

Aviva is working with customers and brokers to raise awareness of the issues of tenants using domestic dwellings as cannabis farms, ensuring landlords have the right level of cover in place, rather than standard home insurance.

Gordon continued: “It’s important that property owners have adequate insurance and that they take ‘reasonable precautions’ to prevent any damage occurring. Employing a letting agent to manage the tenant-vetting process and provide an inspection service on the landlord’s behalf is a good option as insurers could refuse a claim if a landlord has been found to neglect their responsibilities.”

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