Yes they have read it thanks! The contract states no refunds on deposits. The insurance is coverage for the Unit while occupying it. We are hoping that the Owner Tom refunds us as others have stated that their owners have done for them. Hard not to see the point when you have nothing to offer for the unit. If the Unit was available and the airport accepting flights we would be there in a heart beat. I love the people of St Maarten and the Island. The owner lives in the states so no reason he could not refund us due to banking. Tom just feels it is not required. We are praying he changes his mind after the shock of what has happened and steps up to the plate for us! I would definitely be looking to rent again from him in the future if so, when we have another large group visiting with us. Sorry for putting in the lawyer point. I was just so upset about the hard call.