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Maine.gov > PFR Home > Insurance Regulation >Administrative & Enforcement Actions > Cancellation Hearing Index > Cancellation / Nonrenewal : Docket No. INS-10-2120 Decision
Charles and Kathleen Arboch v. Patrons Oxford Insurance Company
Held January 6, 2011 - Docket No. INS-10-2120
The named insured requested a hearing to contest the nonrenewal of homeowners policy for a pattern of related losses. The company established that it has paid three claims resulting from the same cause of loss and that similar losses are likely to continue. It was also established that an earlier, similar loss was paid by a prior carrier.
Held: For the company. Although the Maine Property Insurance Cancellation Control Act specifies that “loss record” and similar insurance terms are not by themselves sufficient explanations of a company’s intent not to renew, the company’s stated reason was not solely that losses had occurred, but that the losses were all related to the same condition and likely to recur, thus meeting the specificity requirement of 24-A M.R.S.A. § 3051. As this is a good faith reason that is related to the insurability of the property, the nonrenewal is permitted by Maine law.
Last Updated: January 16, 2014
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