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Brian & Susan Krampert v. State Mutual Insurance Company

Held September 10, 2008 - Docket No. INS-08-2090
Decision Issued: September 16, 2008

The insured requested a hearing after receiving a nonrenewal notice citing the increased liability hazard of a specific structure on the property. At hearing, the company presented evidence documenting the exposure.

Held: For the company. An insurer may decline to renew a policy for a good faith reason related to the insurability of the property or a cancellation ground pursuant to section 3049. 24-A M.R.S.A. § 3051. The company has demonstrated how the cited structure affects the liability exposure on the premises. The company has demonstrated that this condition is a good faith reason related to the insurability of the property. The company complied with the notice requirements of § 3051.