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If the casket was not up to the standard that was listed in the contract between you and the insurance company, then you would need to bring a lawsuit for breach of contract. You would be able to recover the difference between what they should have provided versus what the did provide.
As for your coverage, you could, in the lawsuit, seek a declaratory judgment that seeks the court to declare that they have to provide coverage for you as well.
I would recommend hiring a local attorney who can begin the lawsuits for you, and possibly negotiate with the funeral home to settle the dispute.
What advise do you have regarding the head stone marker. Does it meet the "Grandfather Clause"
It really depends on what the Grandfather clause says. If it says that any future requirements for installation of the head marker are included in the plan, then it would be covered.
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