I have had a similar experience with an Insurance Co. Call the insurance company again and tell them that their explanation for not paying is unacceptable and then tell them that you will be reporting them to the GA Insurance Commissioner (Get his/her name). When I said that, the lady asked me...
Sometimes it's easier to overnight it from FFL to FFL, if you are going to a gun friendly area. Costs a couple of bucks, but saves time and hassle at the airport.