Business ProfileforHigginbotham Insurance Agency Inc

We have had ****************** commercial insurance with Higginbotham as our agent since 2019. Initially, and each year following, we have been asked to provide/choose limits of our choice for each property. Each year, the limits we set have been approved with no questions.At renewal time for 2023, the existing limits from previous year were approved by ****************** and offered to us for our policy renewal on July 7, 2023. At that time, we asked to have limits raised for three of our properties and coverage was bound on July 13. We then spoke with adjusters who advised us to purchase higher quality roof shingles with a 50 year vs. 25 year warranty. This would lower the per year depreciation, and would make up for any possible co-insurance penalty. I then contacted our agent at Higginbotham on 7/31/23 asking to have the limits on these three properties returned to their original, lower limits that were approved by ****************** in our July 7 offer. She informed me she would send in a request for an endorsement to the carrier, and once the endorsement is processed and funds are returned we would receive any premium difference.I followed up with Higginbotham almost weekly to get status on our change of limits and policy refund, only to be told they are "waiting" for an answer. Finally, on October 30, 2023, ninety days after the endorsement request, I received an email denying our request for lower limits. When questioned why it was denied, I was only told they strongly recommend the higher limits. They did not REQUIRE them, and limits are our choice, but they would not return them to original amount and refund premium difference, with no explanation as to why.I have sent 5 emails to ****************** using email given to me by *************** the broker (I reached out to our Agent, as well as VP of Business Insurance at Higginbotham and they would not provide me with the contact information). I have yet to receive a response.