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Maine.gov > PFR Home > Insurance Regulation > Cancellation Hearing Index > Cancellation / Nonrenewal : Docket No. INS-07-2008 Decision
Richard & Mary Fernald v. MMG Insurance Company
The insureds requested a hearing following receipt of a notice of homeowners insurance coverage nonrenewal citing certain conditions of the property, including the presence of a trampoline, as the reasons for nonrenewal. At hearing, the company submitted into evidence an inspection report of the property and accompanying photographs demonstrating certain of the conditions cited in the nonrenewal notice. The insureds presented more recent photographs of the property and argued that most of the conditions have been rectified.
Held: For the insureds. An insurer may nonrenew
a policy for a good faith reason related to the insurability of the
property or a cancellation ground pursuant to section 3049. 24-A M.R.S.A.
§ 3051. Section 3049(7) permits cancellation for the presence of
a trampoline on the insured premises if the insured is notified that
the policy will be cancelled if the trampoline is not removed and the
trampoline, after notice, remains on the property 30 or more days after
the date of the notice.
Last Updated: August 22, 2012
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