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Maine.gov > PFR Home > Insurance Regulation >Administrative & Enforcement Actions > Cancellation Hearing Index > Cancellation / Nonrenewal : Docket No. INS-13-2032 Decision
Ansley Newton v. Liberty Insurance Corporation
Held May 23, 2013– Docket No. INS-13-2032
The named insured requested a hearing to contest the cancellation of homeowners policy for material misrepresentation in the application regarding ongoing renovations. The company failed to demonstrate that material misrepresentation occurred.
Held: For the insured. 24-A M.R.S. § 3049(3) permits cancellation upon discovery of fraud or material misrepresentation by the insured in obtaining the insurance. Although the company stated that it would not have written the policy if it had known the renovations would not be completed within six months, it could not identify the intended renovations as the representative taking the application had not documented them. The policyholder established that the renovations she had discussed with the agent were in fact completed less than a month after the policy took effect.
Last Updated: January 16, 2014
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