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I see how the 300 plants is material as it is now a business operation in a private residence. I don’t see how growing an individual plant for sole consumption would be.
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I think the theory is find an expert and have him/her tell the judge one plant constitutes a substantial change to the policy. Increased theft, power use, impairment of owners and occupiers. Whatever. It's expert testimony. And insurance if full of stuff that doesn't make sense. If you die falling down the stairs you had better have told your life insurer you were a smoker or your estate won't get any benefits.