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Maine.gov > PFR Home > Insurance Regulation > Cancellation Hearing Index > Cancellation / Nonrenewal : Docket No. INS-11-2044 Decision
Michael Broscius v. Patriot Insurance Company
Held August 30, 2011 – Docket No. INS-11-2044
The named insured requested a hearing to contest the nonrenewal of homeowners insurance for failure to comply with loss control recommendations. The company demonstrated that a loss control recommendation to install a sprinkler system was conveyed to the insured in June 2010 and the insured had not complied as of August 2011. The insured disputed that the recommendation was reasonable.
Held: For the company. The Maine Property Insurance Cancellation Control Act allows nonrenewal for a good faith reason that is related to the insurability of the property, or if based upon a statutory ground for cancellation. 24-A M.R.S.A. § 3049(10) allows cancellation and therefore nonrenewal of a policy for the insured’s failure to comply with reasonable loss control recommendations within 90 days after notice. As the policy insures a high value seasonal home that is unprotected due to its distance from responding fire stations, the company made a reasonable requirement to reduce the likelihood of a total fire loss. As the insured did not comply, the nonrenewal is permitted by Maine law.
Last Updated: August 22, 2012
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