Skip Maine state header navigation

Agencies | Online Services | Help

Skip All Navigation > PFR Home > Insurance Regulation >Administrative & Enforcement Actions > Cancellation Hearing Index > Cancellation / Nonrenewal : Docket No. INS-13-2115 Decision


By Year:| 2012 | 2013 | 2014

Douglas Skibicki v. Kemper Independence Insurance Company

Held December 4, 2013 – Docket No. INS-13-2115
Decision Issued:  December 6, 2013

The named insured requested a hearing to contest the cancellation of a home and auto package policy for failure to comply with loss control recommendations.  The evidence on the record demonstrates that one or more of the loss control recommendations was not completed.

Held: For the company on the homeowners coverage. 24-A M.R.S.A. § 3049(10) permits an insurer to cancel a policy if the insured fails to comply with reasonable loss control recommendations within 90 days after notice from the insurer. The company demonstrated that its loss control recommendations were reasonable and that one or more had not been completed within 90 days. Accordingly, the cancellation of the homeowners coverage was permitted. As the automobile coverage cannot be cancelled or nonrenewed for this reason, the automobile coverage must be renewed on a standalone policy.

Last Updated: April 15, 2014