State: New Jersey. I am home owner and had my own Builder's risk policy for construction of my residence, just wanted an extra layer of protection, the foundation wall collapsed on 3rd day b’case builder did not build as per architect’s plan, do have proof from professional engineer, builder only had carpentry insurance instead of builder’s policy as required by law and builder’s insurance denied claim due to inadequate coverage. Builder’s sub contractor (MASON) also had no insurance. My attorney did not clarify and did not understood why my insurance will deny the claim, what recourse do I have to claim the damages form my insurance. ?