My question involves insurance law for the state of: Texas-Homeowner's insurance
I had a catastrophic fire. The adjuster took an initial inventory of large items, and issued a 1st check based on replacement cost coverage. Six months later, and many hours of work later we were still documenting loss. Our adjuster called ind informed us that we did not have replacement cost, only depreciated cost.
An error and omissions claim was filed. The agent, with our permission changed our carrier at renewal, with the understanding that we did maintain the same coverage or better. In oversight, the Agent failed to include replacement cost.
What can I claim or recover on an Omission and Error's policy?