After you talk to the insurance agent!, lay on lawn and rinse gently with the hose--to loosen and wash away the bulk of surface stuff. I would put these on a clean sheet and use the sheet to actually pick up the quilt from the lawn. Then use your bath tub and a plastic laundry basket using Retro CLean --follow the directions and you'll probably need to re-do a couple of times if badly soiled; put the quilt in the laundry basket (and the sheet you picked it up with if still wet) to swish the quilt up and down and lift from tub. Then lay out on that sheet again on flat surface--if on lawn be sure to put out of the sun so you don't get sun damage. Had a friend have similar disaster and this worked. But do contact insurance first.