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Maine.gov > PFR Home > Insurance Regulation > Cancellation Hearing Index > Cancellation / Nonrenewal : Docket No. INS-11-2105 Decision
Richard Chase II v. Merrimack Mutual Fire Insurance Company
Held December 13, 2011 – Docket No. INS-11-2104
The named insured requested a hearing to contest the cancellation of the homeowners insurance policy for negligent acts or omissions by the insured substantially increasing a hazard insured against, and vacancy of the property without custodial care. The company demonstrated that the insured had not timely attended to repairs, leaving the property uninhabitable, unprotected, and at risk of additional loss for over two years, and two subsequent theft losses of copper plumbing occurred.
Held: For the company. 24-A M.R.S.A. § 3049(4) permits cancellation upon discovery of negligent acts or omissions by the insured which substantially increase hazards insured against, and 3049(6) permits cancellation if the insured property is vacant without custodial care. The company established grounds for cancellation under both of these sections.
Last Updated: January 27, 2012
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