Interesting. I'm surprised they just didn't cut a check? Just curious (if you don't mind answering), was this a standard Home Owner's/Renter's policy or a specific gun policy? Was there a reason they just did not write you a check? Apologies if I missed that somewhere previously posted in the thread.
I was unfortunate enough to have a handgun stolen from my service truck in a secure parking garage. Attendant had the keys and building secured. No broken locks or windows. I did not discover this until almost home. When I got back to the garage (fire in my eyes) there were only 2 of the 3 regular guys there. The 3rd left before I got my truck back. LEO was involved. They called him back in and he denied everything. Of course. He did not show back up for work. So there you go.
Anyway, home owners covered it. They sent me an exact replacement to my LGS.
I will neither confirm nor deny anything happened to the bag that took it.