Juan is homeowner at january 2017. He doesn't have an inaurance.

In january 10 the Insurance Company send a invitation to Juan offer the insurance.

Juan received the offer on january 12. He accept the offer and make a cheque for 200 dollars according to the offer. He send back the contract and check. But for any reason the post office had a delay and the contract and check to company arrived to Insurance company on January 15.

in January 14 Juan house's caught fire.

Questions

Juan can claim to insurance company

the contract is valid?

who have the reason ? why