This is not the way.
A couple of days ago I took time to send you a detailed explanation of the why and how of the claims process, did you get a chance to read it?
Please, feel free to tell me how you would have handled things had you been at my place.
Yes I read it.
But it is quite simple, you do not need to go into the details since it is a matter of principle. If you are still open and trading for business, just make honest people whole.
Screwing the little guys because of your incompetence/misfortune is just more banksterism.