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John Wrenn v. Concord General Mutual Insurance Company

Held January 20, 2011 - Docket No. INS-10-2127
Decision Issued: February 4, 2011

The named insured requested a hearing to contest the nonrenewal of homeowners insurance for cited conditions of the property. The company demonstrated that the siding is damaged and roof shingles are deteriorated and lifting, which increases the risk of loss from covered perils.

Held: For the company. The Maine Property Insurance Cancellation Control Act allows nonrenewal of homeowners insurance if the reason is in good faith and related to the insurability of the property. As the company complied with statutory notice requirements and also established that the condition of the siding and roof increases the risk of loss under the policy, the nonrenewal is permitted under Maine law.