Rosita Young woke up in the early morning hours of Nov. 16 to police officers at her door. Someone had broken into her Chinatown jewelry store on Grant Avenue around 4:20 a.m., and within three minutes, stolen $250,000 worth of goods. Thieves damaged the store’s front gate, door and showcases, police said. To top it off, Young discovered she isn’t able to claim any of her insurance coverage because her policy doesn’t cover thefts at night unless the items were in a safe, she said. “That hurt me so much,” Young said in a phone interview Friday. “I lost a lot.” The theft followed someone breaking a window, but stealing…