So I am somewhat confused, was this pilot error or was this a confirmed error with the drone / software. If it was a result of the software on the drone then does DJI not have proof of that, it would have been out of your control. However if I am reading correctly it was an oversight in how RTH and some settings should be configured that lead to the incident and I guess in my opinion anyway DJI can't cover that, the cost of replacing/repairing lost drones in these cases would be a high cost and they need to ensure strict policies to protect their business interests.
Its a shame it worked out that way. Would your home insurance not cover it? I know here in the UK some house insurance will cover the loss of a drone (away from home item).