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Maureen Costello v. Patrons Oxford Insurance Company

Held June 24, 2014 – Docket No. INS-14-2058
Decision Issued:  June 30, 2014

The insured requested a hearing to contest the nonrenewal of her homeowners insurance policy due to the potential for liability loss in case of collapse and fire hazard because of the building’s structural condition. The evidence on the record established that the company has paid a claim for rot damage to framing around several skylights in the building’s roof and that some of the damage remains unrepaired.

Held: For the company. 24-A M.R.S. § 3051 allows nonrenewal for a reason that is in good faith and related to the insurability of the property. The company’s reason that the risk of water, and possibly collapse, damage continues because of the incomplete repairs is in good faith and related to the insurability of the property.  Therefore, the nonrenewal is permitted by Maine law.

Last Updated: July 29, 2014