Help Replace My Stolen Flute

My flute was stolen from my vehicle in a breakin. Insurance has denied coverage because, unbeknownst to me, they consider it a business item since I use it to teach flute lessons. I play professionally, have a masters degree in music and teach lessons. I must have an instrument as part of my livelihood. The quality of instrument must be at least advanced student model, and additionally I need a curved headjoint for the Flute because I have a neck injury. This adds to the expense. My Flute is very important to me. Any help is appreciated. I play weekly at my church as a volunteer. I play for weddings, memorial services, benefits, and many other volunteer activities. Please help me keep my music alive. I am barely able to meet my monthly expenses as things stand, and am unable to replace the instrument without help. Thanks in advance.