Ok. You know, it took me 3 agents to get one who understood what I was saying. Maybe they also had a mixup in their office over your "inspection" and the dog and roof? Make sure you talk with a supervisor, and ask about for a written policy of what types of pets and dogs they won't cover under regular homeowner's, and the availability of a liability rider.

Did you get an insurance binder from the agent? Did you pay monies? I think those would allow you the 100 day, and if they didn't give you 100 days, the complaint would be good. Merely mentioning the complaint to McCarty might cause them to rethink their actions towards you.