Without voicing an opinion one way or the other I'll make one observation.
Insurance agents and insurance claims adjusters are two separate things. A claims adjuster is not bound by anything an agent tells you. If it isn't spelled out clearly in your policy, one way or the other, you're at the mercy of the adjuster.
I have fought that battle and it isn't fun. Fortunately I won, but it was a $75,000 auto claim and if I lost it would kill my business model so I was willing to spend a lot to fight.
Insurance agents and insurance claims adjusters are two separate things. A claims adjuster is not bound by anything an agent tells you. If it isn't spelled out clearly in your policy, one way or the other, you're at the mercy of the adjuster.
I have fought that battle and it isn't fun. Fortunately I won, but it was a $75,000 auto claim and if I lost it would kill my business model so I was willing to spend a lot to fight.