I feel your loss....a gift shop borrowed one of my quilts for display, and being a generous soul allowed it to go. When time came for the shop to close, my quilt was missing. Lots of stories about where the quilt might be, what happened to it, blah, blah, blah....I know what you mean about insurance and not being able to replace. Sure we can get the monetary value back, but the quilts can never be replaced. Good luck in finding it. Hope it turns up.