Has anyone had the wrong home insurance policy wrote up from allstate?

mud_angel1 asked:


We purchased a home and had allstate insurance, we recently had a fire and now we are being told that we had the wrong policy and we are in a long drawn out process. We dont know if the policy will be covered or not yet. Allstate is dragging there feet. Even though it is the agents responsibility to take pics and view the home she did not. they told us that the agents are not actual employees of allstate. can anyone give us advice on what to do?
We have a single wide trailer with a living room extension and a sunroom extension. The agent was told all the details of the home. She never took pics of the home and never had us sign the policy, however we have been paying them for 5 months now. They have had plenty of time to not insure the house if they wanted.
Arson was never a question, it was an electrical fire, my family was in the home the time of the fire.