Yeah I had not considered any insurance company.
I would think that a reputable firm would want to make good with you rather than force both of you to give more money to attorneys than this is worth. Have you contacted the firm concerning making good on their sale of defective product to you?
What should happen is for the insurance company that owns the gun, sell it to the store you bought it from and they should make good to you by giving it back to you. [If the gun would show up clean now. They should give you another gun if that gun would not show up clean now.] Of course that is only logical not what will probably happen in the real world.
I had some guns stolen from my home.
My insurance company paid a claim minus the deductible.
Sheriffs dept. later found my guns and returned them to me.
I went to my local insurance agent with check book in hand.
Local insurance agent put me on the phone with the insurance company.
Insurance company was happy to get an honest customer and asked me if the guns were damaged or rusty as they would then require only a partial refund. I told them they were fine except for some rusting which I would handle. I sent them a check and they altered my insurance claim to "no claim filed."
While I'm at it, I would like to get my .303 British with a Herters stock that was stolen from me in Vallejo, California about 39 years ago. Ser# 75L8057