A western New York man may sue for fraud for allegedly being told by a claims representative that his homeowner’s insurance policy would not cover property damage that was caused by the 5- to 7-foot snowfall in a November 2013 storm, a federal judge ruled.
Nicholas Kraatz did not file a claim based on the conversation he said he had with the USAA Casualty Insurance Co. claims representative 12 days after the record-setting storm in the Buffalo area. Kraatz maintained that the representative told him that because of his high deductible — $8,040 — it was probably not in his best interests to file a claim.
When Kraatz finally did file a claim in August 2015 at the urging of a friend in the insurance business, USAA denied it, claiming it was not filed promptly, court papers showed.
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