Court Rejects Homeowner's Reliance on Insurance Certificate

HARTFORD, Conn. - A certificate of insurance naming the homeowner as the 'certificate holder' isn't a guarantee of coverage for a remodeling contractor and neither the insurance broker nor carrier can be blamed when the contractor lets his coverage lapse, the Connecticut Supreme Court affirmed on Dec. 5 . Nazami v. Patrons Mutual Insurance Co., No. SC 17537 and 17539 (Conn. Sup. Ct.).

In a published opinion, the Supreme Court dismissed claims of misrepresentation and unfair trade and insurance practices brought by homeowner Shahnaz Nazami against the Fallon Insurance Agency Inc. and Patrons Mutual Insurance Co.

Nazami complained that she …