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Maine.gov > PFR Home > Insurance Regulation > Cancellation Hearing Index > Cancellation / Nonrenewal : Docket No. INS-11-2088 Decision
Paul Berry, Scott Wood & Kimberly Weilbrenner v. MMG Insurance Company
Held November 2, 2011 – Docket No. INS-11-2088
The named insured requested a hearing to contest the nonrenewal of a homeowners policy. The reason for the nonrenewal was the alleged occupancy of the home and the lack of a central heat source that is connected and in working order as a backup to the primary solid fuel heat source. The company submitted evidence that the oil furnace was disconnected and out of use. The policyholders did not appear at the hearing or provide any rebutting evidence.
Held: For the company. 24-A M.R.S.A. § 3051 allows nonrenewal for a reason that is in good faith and related to the insurability of the property. The company established that the lack of an automatic backup heating system increased the exposure to loss resulting from frozen pipes, resulting in damage that would be covered by the policy. As the company complied with the requirements in the Maine Property Insurance Cancellation Control Act, the nonrenewal is permitted.
Last Updated: January 6, 2012
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