Pls help me

I have had a good relationship with FEW for awhile now and they truly are always willing to help. Recently I suffered a damage that devastated me, whist I thought I was covered as the cover said all household goods I assumed I was covered to discover i am not covered for this item, but I really was not aware and now I am so devastated by the loss I just lost everything I collected for the last 20 years pls consider my problem and help me replace my goods. Be the Christmas miracle I really need right now