Appreciate your thoughts on this situation?

If you don't get the check in the next day or two, hire a lawyer. Sometimes people don't take you seriously until a lawyer gets involved. It would be worth it just to have someone get you real answers instead of this runaround from the company. A lawyer could get in touch with the insurance company and light a fire them to get your money. One other thing I'd suggest is to write your incident to a newspaper that has an investigatory column for people who have been screwed over. We have one where I live, called The Fixer and they look into matters of this sort. Most times they get people their money back and then some.