My house suffered a sewage backup in my basement 3 weeks ago so I reported to my insurance company, State Farm, and hired water mitigation service to help clean up the mess. When the water mitigation team asked for my homeowner policy limit on sewage backup, both my phone app and the website told me $13.8k, which led me to believe that I had enough coverage for the water mitigation and repair afterward so I let the crew do whatever they can to clean up the basement including stripping out pretty much my entire basement including carpet, drywall and some of my polluted personal items Later I received a bill of $8,600 for the service, which I was still calm until my insurance adjustor told me my actual coverage was $5,000 instead of $13,800. So what happened was both my State Farm app and website showed me the renewal coverage which will take effect this October. This false information led me to overspend the water mitigation and not have enough left to cover the repair, which could potentially be another couple thousand dollars.
So my question is can I sue my insurance company for providing the misleading information? Happy to follow up with more details and thank you in advance.
The policy controls your liability limits. It is your duty to read your policy, although you may have an E&O case if the agent got you the wrong policy.
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