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.
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).