Once a policy renews without insurance coverage which was believed to be in place can the insured file a claim for property damage which was not covered on the policy?
2003 policy has property damage coverage.
2004 property damage coverage was removed from the policy.
2005 still no property damage and damage occured, notify the insurance company, days later told there was no coverage.
Will the insurance company's errors and omissions policy cover this loss?
The agent says my father cancelled the property damage insurance, my father was very sick with cancer and died. He had property damage on 5 other properties he owned and always had property damage on all real estate he owned but the agent say that my father cancelled the property damage in 2004, my father died in 2005, high winds took the roof off of the building that didn't have property damage insurance. The agent told me that he would have a signed form in his file from my father to remove the property damage coverage but there was no form signed by my father in his file. My mother owned the RE from 2003 because of my father's illness. Does the agent have any responsibility to my mother?