wooden_flower Volunteer Community Mentor.
You didn't give us much to go on.
If you are the seller, you owe the buyer a refund. Any insurance protects you.
The insurance coverage depends on how you shipped. I see fedex on your last sold item - fedex includes $100 of coverage, unless you added more.
Go to the fedex section on this page for further info on filing a claim.
If that doesn't answer your question, please come back with more details.
