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Generally municipalities enjoy "sovereign immunity" against claims such as this, however, depending on the specifics of your case there may be a claim against the city (speak with a plaintiff's lawyer that has some experience with municipal claims - you don't want to try doing this yourself, claims against government entities move very fast and there is a short period of time that you have to file the pre-litigation "tort claims act" claim with the city prior to filing your civil complaint - it is possible to do, but it is difficult to self educate yourself quickly enough to effectively represent yourself in this type of action).
You can find local attorneys using the State and local Bar Association directories, or private directories such as www.AVVO.com; www.FindLaw.com; or www.Martindale.com (I personally find www.AVVO.com to be the most user friendly).
As far as the "gap" insurance issue. There is no duty for your agent to recommend or sell you this insurance, many agents will do this, but it is not required. (Some agents try to refrain from overselling policies to their clients simply because there are so many different types of insurance policies, but this does of course leave gaps in coverage).