A western New York man may sue for fraud for allegedly beingtold by a claims representative that his homeowner’s insurancepolicy would not cover property damage that was caused by the 5- to7-foot snowfall in a November 2013 storm, a federal judge ruled.

Nicholas Kraatz did not file a claim based on the conversationhe said he had with the USAA Casualty Insurance Co. claimsrepresentative 12 days after the record-setting storm in theBuffalo area. Kraatz maintained that the representative told himthat because of his high deductible — $8,040 — it was probably notin his best interests to file a claim.

When Kraatz finally did file a claim in August 2015 at theurging of a friend in the insurance business, USAA denied it, claiming it was not filedpromptly, court papers showed.

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