What recourse do I have with my home owner’s insurance provider who added coverage without my consent?

Last month I was notified by my mortgage company that my home mortgage payment had increased. After researching it, I discovered that my insurance agent had added an endorsement to my policy two months ago without my knowledge or consent. When I asked, he said that he didn’t want to have to deny a claim for sewer backup like he had earlier in the year.

I blew my lid and now they have referred me to their lawyers who won’t talk to me.

Is their action criminal? What legal recourse do I have?

Thanks,
David
I was in error. The coverage that was added was actually water backup and sump overflow. It was $ 152 for 4 months. Thanks,

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