The insurer decided the term “residence premises” only applies to the place where the insured resides?

The insured lived in the home from 2009-2014 and held the same insurance policy with the company from 2009 to present. The insured also undertook remediation and repairs after the adjuster confirmed via email up to 25k coverage for the incident and up to 100k if the master HOA policy denied coverage.

The adjuster is now walking this back 5 days after the work is underway and tells the insured everything is under review again because of a question about loss of use coverage.

Does it seem that there’s some detrimental reliance at play?