How do you recover the value of an expensive item lost by the carrier while being returned?

The auto-generated return labels don't cover the package's insurance, and the carrier will only pay 100 USD after approving the claim.

How do you recover the value of a high-value item lost when returning?

I contacted seller support, but they did not have an answer to my question. If you have had this issue before, please share your experience and tell me the best way to go about this.