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John C. Doyle v. Massachusetts Bay Insurance Company
Hearing #2005-16015, Decision Issued April 21, 2005.

The insured requested a hearing following receipt of a notice of homeowners insurance policy cancellation for nonpayment of premium. At hearing, the company presented evidence of the premium due date and the date the cancellation notice was sent. Although the insured did not appear in person at the hearing or submit a sworn statement, his hearing request corroborated the failure to pay the premium when due.

Held: For the company. The company demonstrated that the premium amount was not paid when due, and that the notice of cancellation was properly received after the premium due date. The company has also complied with the statutory notice requirements provided in 24-A M.R.S.A. § 3050. Therefore, cancellation of the subject policy is permissible.

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