Our Condo complex had commercial policy.. All was good till we filed a claim for damage to a carport structure. We reported damage to agent with pictures and got response we had over $8 million coverage so no problem just report to insurance company. We did adjuster came out, we got 3 estimates and damage estimated at just under $40,000. Then we hear that we only have coverage for 5,000. Contasted everybody several times. Our agent had owned a unit here so knew our structures and coverage we needed. We naively expected agent/agency to take responsibility for the major under coverage. Last call with owner of agency put it all on us. She basically said we should have read and understood a 188 page insurance document. I was under the impression that's the reason you go thru an agency for their knowledge. To top it off we received estimates for all our carport structures, which came in at $300,000. We would have ended up paying yearly $300 for the correct coverage. Anybody doubt that we would have chosen to do so. Unfortunately you don't know how good you agent is till you make a claim. read more