I live in NC, have a condo homeowners policy. I updated the policy in March 2012 and have never received a copy of the policy since. The insurance company has had my address wrong on several occasions since that time. When the update was made, it was made clear to me, due to questioning that my condo would be covered for damage by fire, water, etc and any residual damage that may occur due to the event. I filed a claim recently for water damage and the company wants to deny the claim. Is it legal to deny a claim on an exclusion, even though, the exclusion was never disclosed either verbally or in writing?