In Porter v. State Farm Fire & Casualty Co., the District Court for the Western District of New York addressed a case in which Plaintiff brought suit against her homeowner’s insurer following a fire that destroyed the insured property. Plaintiff sought coverage under the policy for replacement cost, rental income, personal property coverage and debris removal. The matter was assigned to a Magistrate Judge, who analyzed the coverage issues and submitted a Report and Recommendation (“R&R”) that the Court grant State Farm’s Motion for Partial Summary Judgment on Plaintiff’s claims for replacement cost, rental income and personal property coverage and
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