Q: help! lost iPhone 5s

Hi. All necessary steps described here: If your iPhone, iPad, or iPod touch is lost or stolen - Apple Support

If find my phone is off change your password and repost device as missing.

Have you already read the article? All necessary steps are described there. This is all you can do.

not apart from looking manually and contacting her insurance company and the police

I am afraid that you can only contact insurance company and local police as Rudegar suggested.

You are welcome. Hope you'll find your device soon.