So sorry this happened to you. I sell on eBay and this scenario happens a fair amount. When I ship valuable items, I print the shipping labels without the postage. That way no one along the way can see the value if I purchased extra insurance. Chances are it was the framer or the UPS store, so keep an eye out in your local area. Also, make sure you meet all the UPS claim dates. They look for any reason not to pay.