Probably something to ask the insurance company first
Might be one of those deals where the devil is in the details. What does your policy cover and all of its in's and out's.
I would at first understand what and why the insurance has a position on the matter and what they are basing it on. I never like insurance company's much, they never seem to be straight shooters.
But it would seem to me, the first place to start. Sure would not sign anything without a full understanding of what I am signing.