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Leslie & Linda Adams v. Patrons Oxford Insurance Company

Held October 25, 2011 - Docket No. INS-11-2070
Decision Issued: November 16, 2011

The named insured requested a hearing to contest the nonrenewal of their homeowners policy for an increase in hazard due to a change in occupancy.  The company demonstrated that the location is the primary residence of a relative but not of the named insureds.

Held: For the company. The Maine Property Cancellation Control Act permits nonrenewal for a reason that is in good faith and related to the insurability of the property. As the company established that occupancy by someone other than the named insured/owner is an increase in hazard, the nonrenewal action is permitted.