How much $ was the sale for? Yes, I agree, you're on the right track. The seller did the right thing by contacting you first. Am assuming that you agree that the photos show the damage mentioned. IMO you are probably correct to refund the partial $. I wouldn't let the insurance claim hang the buyer out to dry too long...the sooner you can resolve it with the buyer, the better.
FWIW, I had an expensive ($260) lamp damaged by FEDEX last year. I reimbursed the seller the whole 260 and told him to keep the lamp, and filed an insurance claim with FEDEX. They paid $130, and about a month later the buyer told me he got the lamp fixed for $130, and he sent me back $130. Funny how things work out sometimes.
FWIW, I had an expensive ($260) lamp damaged by FEDEX last year. I reimbursed the seller the whole 260 and told him to keep the lamp, and filed an insurance claim with FEDEX. They paid $130, and about a month later the buyer told me he got the lamp fixed for $130, and he sent me back $130. Funny how things work out sometimes.



















