I am sorry to hear of your loss Michelle but it sounds like that you have an issue with the storage company.
You would do well in checking the terms and conditions of the contract to see what it says.
If it says they can not apply for insurance if the bill is not paid.
I suspect it does not say they can do that. If that is the case then you can sue them for the costs of replacement of the carpet like for like.
If the terms do say they can refuse to insure if you do not pay the bill, then you should deduct the insurance element from the bill
Why pay for insurance if they are not going to apply it?
But check the contract first, see what it says in the terms regarding insurance.
Can I clarify anything for you about this today, please?
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