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Maine.gov > PFR Home > Insurance Regulation > Cancellation Hearing Index > Cancellation / Nonrenewal : Docket No. INS-11-2097 Decision
Kevin & Karen Campanella v. NGM Insurance Company
Held November 15, 2011 – Docket No. INS-11-2097
The named insured requested a hearing to contest the nonrenewal of homeowners insurance for physical changes in the property rendering the property uninsurable, relating to two water damage claims. The company failed to establish a change in the property or the underlying conditions that it alleged made the property uninsurable.
Held: For the insured. The Maine Property Insurance Cancellation Control Act allows a company to nonrenew for a reason that is in good faith and related to the insurability of the property, or based upon a permitted ground for cancellation under section 3049. As the company specifically referenced § 3049(5) in its reason for nonrenewal, it must demonstrate a physical change to the property and show how that change renders the property uninsurable. As the company failed to establish any change to the property, the nonrenewal was not allowed.
Last Updated: December 8, 2011
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