Shane, here's what I keep thinking and I could be all wet. I think that you insurance company owns you for anything that is missing that is part of your normal home or household things but doesn't owe you for things that were part of the business. Your attorney will know more about these things than I and there is always more to the story than how things seem at first. Glad that you have been making some calls and shaking the tree. Keep shaking things up and see what happens, best to you.

Rick