You have not only dug the hole your in, your covering yourself up with the dirt. The retailer should pay for the insurance to get his manufactured item to the customer. I do it on anything over $100.00. Anything less than that I am the insurance, I cover it. I also refund the buyer while I do the insurance claim. That is the cost of doing business. I refunded a member here $550.00 on a third member that FedEx lost! I got my money back but it took 60 days.