Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
It appears that your previous contributor had to leave. I am a DIFFERENT CONTRIBUTOR.
This would be a problem for you only if there was a claim between when you asked to increase the umbrella to when you caught the mistake and got it corrected. The law uses the "no harm no foul" theory on this type of claim. In order to have a legal claim against the insurer for errors and omissions
, which is what this would come under, you have to prove actual harm occurred to you as a result of them not increasing your coverage. If no actual harm occurred, you are entitled to get the matter corrected, but there is no legal action to be filed.
If a claim was filed during the time they made the mistake, then you would have to prove you ordered the increased coverage and the insurer neglected to make the change and this would come under the insurer's error and omissions policy
In your agreement, you agreed all the information was truthful AND IT WAS TRUTHFUL BASED ON YOUR INFORMATION AND BELIEF THAT YOU DID INCREASE YOUR COVERAGE. You are not liable for telling the insurer to increase coverage and them neglecting to do so, that is not a falsification of the contract
. So you caught the mistake and if it was before any harm, you would not be in breach of the agreement by correcting that mistake. If there was a claim, then you would have basis to sue the insurer for their error and omission in failing to increase coverage based on your instructions to do so.