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James & Kelly Corriveau v. MMG Insurance Company

Held February 1, 2013 – Docket No. INS-12-2143
Decision Issued:  February 8, 2013

The named insured requested a hearing to contest the nonrenewal of homeowners policy due to the deteriorated condition of the roof shingles.  The record established that the roof shingles are defective.

Held: For the company. 24-A M.R.S. § 3051 allows nonrenewal for a reason that is in good faith and related to the insurability of the property. The policyholders agreed the shingles are defective and need to be replaced, but have not replaced the roof due to an ongoing class action suit against the shingle manufacturer. As the condition of the roof increases the risk of loss covered by the policy, the nonrenewal action is permitted by the Maine Property Insurance Cancellation Control Act.

Last Updated: April 15, 2014