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An insurance agent recommended a property insurance policy to a client in Washington State that later turned out to be grossly inadequate (coverage limits too small), and significantly outside of industry norms.

Does an agent have a "Duty of Care" / "Duty to Advise" that would seem to be breached in this situation?
What sort of recourse could the client expect?
What kind of defense would the insurance agent likely offer?


I found info on this site that seems to indicate such a Duty likely does exist and was not met. But it does not really address what to expect after that: Reasonable outcomes or possible defenses, etc.

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