Maybe this is a dumb question, but have you talked to your customer about this? Such issues are covered by insurance plans that are common for US companies. It

Maybe this is a dumb question, but have you talked to your customer about this? Such issues are covered by insurance plans that are common for US companies. It may be as simple as your customer makes a police report and then provide it to their insurance. Then 60 days later they get a check and pay you.