Reporter: Rachel Schaerr l Videographer: Parker Slaybaugh
Lynchburg, VA - More than a month after the derecho ripped through Central Virginia, many homeowners are still trying to rebuild.
Some families are finding their homeowners' insurance isn't covering the full cost. Many insurance plans will reimburse you at a depreciated rate.
So, if you have a 12 year-old roof you'll get what it's worth right now but not necessarily what it will cost to fix it. They have a hole in their bathroom ceiling, a tarp covering the roof and 13 more pages of repairs still waiting.
"This is not the way we are. This is not the Brown's," Tona Brown, homeowner said.
Chris Brown thought he was 100 percent covered but a month later his yard still looks like a logging field.
"Everything's replaced 100 percent, no problem. Then all the sudden it started changing," Chris Brown said.
Brown's insurance will only cover 22-thousand dollars of the 39-thousand a contractor wants to make the repairs. He has what's called an actual cost value insurance policy. So, whatever it costs to replace his losses is subtracted by depreciation.
"When replacing something like paint or drywall within the structure, it will get depreciated by the number of years -- a certain percentage for the number of years that structure has been around," James Maynard said.
James Maynard is a middle man between insurance providers and homeowners.
He says many insurance adjusters will also get paid for each claim, so when there's a natural disaster or windstorm they may not spend enough time making their initial estimates.
And people like the Browns get stuck footing the bill.
"I just want my house back. That's all I want. I'm not looking to make a dime," Chris Brown said.