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Katrina & Ralph Norwood v. York Insurance Company of Maine  

Held July 19, 2012– Docket No. INS-12-2057
Decision Issued:  August 10, 2012

The named insured requested a hearing to contest the nonrenewal of a homeowners policy for loss activity and several cited conditions of the property. The company established the existence of one or more of the noted reasons, affecting the insurability of the property.

Held: : For the company. 24-A M.R.S. § 3051 permits nonrenewal of this type of policy if the reason is in good faith and related to the insurability of the property. As the company established that one or more of the cited conditions are in good faith and related to the insurability of the property, the nonrenewal action is permitted by the Maine Property Insurance Cancellation Control Act. Loss activity by itself is not an acceptable reason for nonrenewal, and was not considered in making the decision.