Well, the first step is discussing it with your agent.
If you still think that your policy says you have coverage, but the company is wrongly denying your coverage, you file an appeal with the Nevada insurance commissioner. You'd include a copy of the written declination letter from your insurance company.
The Department of Insurance in your state.
You might want to post the info about the claim to see if it really should have been turned down or not. It doesn't hurt to get some free opinions.
A link is below to the Department of Insurance in NV. It wasn't easy to find either.
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