Missed 48-Hour Claim Window for a Missing Item; Offered $10 Off Instead of Policy Payout

A customer of over a year says one item went missing from an order, but she didn't notice until she needed it later, since she doesn't photograph laundry going in or out. She says the company denied her claim because she hadn't reported it within a required 48-hour window, and offered a $10 discount on a future order instead of the payout she expected under the stated coverage tiers, which she describes as capping reimbursement at a percentage of an item's used value depending on which plan (Basic, Premium, or Premium+) was purchased, with lower coverage tiers translating to lower per-garment and per-order maximums. She felt the offer fell well short of even the base coverage amount she understood she was entitled to.