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Laurie Hall and Toney Hall v. Standard Fire Insurance Company

Held August 10, 2010 - Docket No. INS-10-2068
Decision Issued: August 12, 2010

The named insured requested a hearing to contest the cancellation of homeowners insurance for nonpayment of premium. At hearing, the company demonstrated that no payment was received for the installment due June 1 or the installment due July 1.

Held: For the company. The Maine Property Insurance Cancellation Control Act allows an insurer to cancel a policy if an insured fails to make a premium payment when due. See 24-A M.R.S.A. §§ 3049(1). The company demonstrated that an invoice was issued to the insured prior to the due date, and no payment was received. A cancellation notice was properly issued after the premium due date. The company has demonstrated that the statutory requirements to cancel the policy have been met.