Please remember that the insurance policy you purchase is a Contract. If a coverage is denied, it is because it was not in the policy. It could have been by endorsement. I ask each of you, when was the last time or any time that you read your policy along with any endorsements. If you had questions, did your agent give you an answer that you understood. Did you change insurance companies or agents to get a lower premium? In most instances if the premium was lower, you lost some coverage or coverages. READ YOUR POLICY. ASK QUESTIONS. Your agent is supposed to work for you. A good agent will tell you what you need to hear, not what you want to hear.