If I am time-barred from filing a claim for bad faith, can I still file claim for misrepresentation against my agent? He told me twice after I reported the loss that I was insured. Then the company said I lied to get the policy. It's a mixed-use property where I do some business and personal things. I did not understand the difference, just thought I had insurance when I was burglarized. Sign for business is right out front of property and agent saw it when policy was written. This State Farm. Are they known to do this sort of thing? They've accused me of fraud when their agent told me I was covered and I wasn't .