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Keep substantial evidence at hand. In such cases where a client is led to believe an advertisement or promotion of an insurance company that turns out to be false, depending on state, legal protection can be provided for you.
When you are able to successfully prove that your insurance company has breached a contract, you can recover damages for consequential losses, loss of use of insurance proceeds, general damages, attorneys' fees, and, in cases of egregious and misconduct, punitive damages.
Whatever happens, be sure to act fast. Insurance companies are always a step ahead of you in legal department. Depending on state, statute limitation for a case like this is 2 years. In California, you are only given 1 year.
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