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Kevin Koutrelakos v. State Mutual Insurance Company

Held January 14, 2009 – Docket No. INS-08-2121
Decision Issued: February 5, 2009

The insured requested a hearing to contest the company’s cancellation of his mobilehomeowner’s policy for physical changes in the property that result in the property becoming uninsurable.

Held: For the insured. Although the company did establish that a part of the cited changes constituted changes to the property since it was first written, it did not establish that the property was uninsurable as a result of the issues that were raised.