First, let me say that I'm sure there are differences in insurance coverage between the US and Canada. That said, many insurance companies say "it's not covered" the first time. They did it to me on a larger claim several years back. A friend, who was an adjuster, suggested I make my claims adjuster show me in my policy where my claim was specifically excluded. In short, the adjuster couldn't and ended up paying the claim. Make sure you keep politely pushing the adjuster, they may change their mind.
Good luck whichever way it goes.
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