Ma Amba Minn., Inc. v. Cafourek & Assocs., Inc.

SUSAN RICHARD NELSON, United States District Judge

In November 2007, Plaintiff Ma Amba Minnesota, Inc. ("Ma Amba") purchased a motel in Albert Lea, Minnesota, and, in so doing, took over the flood insurance policy of the motel's prior owner. Although Ma Amba did not realize it at the time, this flood insurance policy only provided coverage for one of the motel's four buildings. Unaware of this condition, Ma Amba renewed the prior owner's insurance policy on an annual basis, always through Defendant Cafourek & Associates, Inc. ("Cafourek"), its local insurance agent. About a decade later,…