Several replies on this thread have suggested bringing the policy to the insurance agent for interpretation. Not wanting to sound paranoid but the agent may not have your best interests at heart. They are paid by the insurance company, not by you. It might be better to bring your policy to a lawyer knowledgeable in insurance claims.
Some time ago I had an insurance agent deny a claim only to find out later it should have been covered. When confronted the agent denied ever having spoken to me. As I had not filled out a claim form there was no paper trail. Fill out the form and request all correspondence in writing. Including any supposed denial of coverage or claim. As you may have only a certain amount of time to file a claim, the agent in my case used that to further deny my claim. They said that being as I hadn't filed the claim within the time limit they would not accept the claim.
I no longer have insurance with that company.