Help! Spakers damaged during shipping?Paid insurance (with proof)being told not Insured?

I shipped a pair of B&W 804D2 speakers across the country through UPS Store. I paid them to box the speakers as I no longer had originals. I made them aware of packaging correctly and specifically told them about the diamond tweeter and how easily it is to break. Insured accordingly and when one tweeter did get broken, insurance paid the $1,300 replacement cost.You could try filing a claim in small claims court. Not sure now but at one time you could file at no cost without an attorney and they are obligated to respond to argue your claim.

Shipping speakers is how members get negative feedback, they have to be well packaged, best to have original packing material and prey they arrive in good condition. Best to do a local sale if possible.
I shipped a tube preamp and the packing was bullet proof. This was on a Fedex truck that rolled over in transit, heavy items crushing the box. When it arrived the packing material was expelled from the box and the preamp (still in the box) had a bent frame. The buyer reported it still worked perfectly. I told the buyer to take pictures. In the end I let him keep the preamp and the claim money.

We're the speakers in the original factory boxes with all the original packaging?

"Insurance is a scam. Period."

it is not, you just need to know the rules.

I've had several claims paid by UPS. In each case I did not have the original packaging. However, I took it to a UPS store and paid to have them package it. If they pack it they can't deny your claim for improper packing. If you do not pay for them to pack it, you will probably get denied. 

They also told me to keep the items, which were functioning and just had cosmetic damage. 

FOB means freight on board which means wherever the FOB point is, any freight beyond that is paid by the recipient.  Some shippers prepay freight which means the FOB point is the ultimate material destination.  Some shippers ship only FOB plant (factory) which means freight from the plant to the final destination becomes the buyer’s responsibility.  
FedEx absolutely destroyed a set of boxed speakers we insured for $3000.   Destroyed.  They refused to pay the claim and only after threatening to set up a couple websites:  howfedexscrewedus.com and fedexdoesntpayinsuredclaims.com did they finally pay the claim.  Tried a couple years back to insure some expensive SF speakers and ship with FedEx and they said, in no uncertain terms, they would not pay any more than, I think it was $1000 or some ridiculous amount, no matter how much insurance we paid for.  I asked them then what’s the point of shipping expensive items or insuring them with FedEx - they had no answer.  I delivered the speakers myself on a road trip.  Threats can work otherwise I have no perfect answer.  Never had an issue with the USPS or UPS, so I don’t know how they deal with damage claims.