Real Estate Law
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You may contest the claim on basis that insurer/broker failed to advise you of the need for such insurance, or to the extent you may have resided on and off on the property, or to the extent your current policy still covers the claim and insurer has failed to identify an exclusion specifically on point. Often such change in status defenses are settled for partial coverage but may require lawyer led negotiations and threat of litigation.
It is obviously not an easy argument, but no downside in pursuing it by negotiation especially based on years of filing premiums and potential claim of not being advised that a different policy was required and a breach of fiduciary duty obligation to do so.
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