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Mona Knowles v. Providence Mutual Fire Insurance Company

Held October 23, 2008 - Docket No. INS-08-2104
Decision Issued: October 27, 2008

The insured requested a hearing after receiving a notice of nonrenewal of her homeowners policy for a physical change in the property that results in the property becoming uninsurable.

Held: For the company. Providence demonstrated that the insured dwelling sustained a major fire loss and remains in its damaged state nearly 18 months later. The company testified that the dwelling has been condemned and is uninhabitable.