Longarm, we are not sure that the longarmer was the one who damaged the quilt. IF the damage was done by the longarmer, I agree she should either repair or partial refund.
There are so many variables to consider. I just don't think everyone should be so quick to lay blame without knowing the whole story.
Some folks have been judge, jury and executioner strickly on the word of one person. No one has seen the actual rip in the quilt.