Please be aware of this! Six weeks ago I was promised my settlement check within ten days. Nothing happened..no communication. I e mailed ..nothing. Finally the adjuster found the woman at Caribbean Insurers who handled my case. She e mailed me, finally, saying the check had been sitting at their office in RoadTown waiting to be picked up since December 10. She claimed they had called the # in Sonoma several times..of course they had not as we have an answering machine and someone is usually here. They also never bothered to respond to e mails. This is obviously a way of delaying actually paying. Today she agreed to Fed Ex the check..So MAKE SURE YOU CHECK IS NOT JUST GATHERING DUST!!!!! Obviously if we had known I would have got someone to pick it up because they obviously did not want to send it.