Based on the website link it looks like, technically, I am out on my own. I hope they recorded some of these calls as I have no proof. My mistake not checking.
Called my home insurance just now, as suggested above, and they said I should first take it with the credit card. It was a Chase UA card. Will call them tomorrow. This may work better as I did not claim any electronics with UA because I was told they don't cover that. There was an iPad in there.
My iPad (in the lost bag) was showing LAX as its location for over two weeks and then disappeared (probably battery drain). Never came back to life. That is why I was hopeful I would get the bag back, as it was at the airport the entire time I could trace my iPad.
Active iPad in checked bag? It was a gate check I was forced into by an FA with a bad attitude. But that is another story.