I think that LA should be responsible for the total cost of your quilt. After all, she is a professional and you had reason to trust her with your quilt. I was in a custom drapery business for many years and felt strongly that I needed to make any mistakes I made right with the customer. And, over the years, I did "eat" the replacement cost because of my error. That wasn't a good thing for me but I could face the customer and my reputation was not harmed.