Another thing to keep in mind is that 118, if the corners are square, might cause them to drag on the floor, where they tend to trip people. That is one practical reason to make quilts come down only slightly longer than the height of the mattress. However, some mattresses these days are 14" or more thick, and you also have to allow for some shrinkage.
I think some long armers will be willing to reposition the quilt to complete it, but there would likely be extra fees involved. They should be up-front about that.