<human>: Could you distill the essence of the text into 1-3 sentences?

I am dealing with a major insurance headache right now. 

A month ago, all of my camera equipment was stolen from my car. I am an artist and primarily use my equipment for shooting my own artwork. Occasionally I will do volunteer shoots for non-profits, and friends. Sometimes they pay me a little money for helping them out, however, these payments are more like courtesy 'thank you' payments generally amount to a couple hundred bucks. 

Here's the kicker, I disclosed all of this info to my insurance agent over a year and a half ago. I told him that I didn't mind paying more money, I just needed to make sure that ALL of my equipment was covered should something like this ever happen. We upped the coverage amount on my renter's policy and he told me that everything I had was covered. 

While describing the incident to the adjuster I told her that I was finishing up a shoot that evening (a volunteer shoot for a non-profit I wasn't getting paid for). She asked me if I've ever received payments for my video work. When I said yes she immediately denied my claim.

I went in to my local insurance agent to complain. He basically re-read me my policy, which states that business equipment is not covered, and told me he was sorry for the confusion. However he is making a case for me that all the money I have received in the past for shooting is merely to cover expenses, and that I never make a profit on these shoots. 

I told him that this isn't necessarily true because expenses on some of these shoots are near nothing, and I still might get a couple hundred bucks. He told me (paraphrase), "Look, this is what your insurance policy says. If you tell them that you only make money to cover expenses, then I think we can get your claim to move through. If not, well they have the info they need to dismiss it."

Anyhow, I have another call with a new adjuster tomorrow, and I'm wondering what I say to him/her. 

Any advice would be most appreciated.
<bot>: Local agent told me camera equipment was covered. Insurance adjuster says it isn't because I have received some form of payment for camera work in the past. Have one last chance tomorrow to argue my case tomorrow.