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Maine.gov > PFR Home > Insurance Regulation > Cancellation Hearing Index > Cancellation / Nonrenewal Docket No. INS 06-2049 Decision
Margaret Erwin v. Concord General Mutual Insurance Company
The insured requested a hearing following receipt of a notice of homeowners insurance nonrenewal citing a negligent act or omission by the insured as the reason for nonrenewal. At hearing, the company argued that the insured’s failure to act led to a claim. The insured maintained that she was not at fault.
Held: For the insured. The applicable statute,
24-A M.R.S.A. § 3051, provides that the “reason for nonrenewal
must be a good faith reason and related to the insurability of the property
or a ground for cancellation pursuant to section 3049.” Section
3049(4)(A) permits an insurer to cancel a policy upon the discovery
of negligent acts or omissions by the insured substantially increasing
any of the hazards insured against.
Last Updated: August 22, 2012
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