A Georgia business owner purchased insurance for a freshwater marina facility in Indiana. When a severe winter storm hit the Indiana marina, docks and other structures at the marina collapsed under the weight of the accumulated snow. The marina’s insurer denied the claim, asserting an exclusion buried deep in the 500 page policy. Unknown to the marina owner, the insurer had provided notice directly to the agent about the addition of this exclusion, but the agent failed to disclose the change to the client upon renewal of the coverage. We filed suit against the insurer, arguing that the loss came within an exception to the exclusion, and sued the agent for the failure to procure the promised insurance, in the event the insurer was not obligated to provide coverage. We collected the entire loss through settlement from the insurer and won a judgment against the agent.