A SWANSEA mother whose family escaped from a fire which destroyed their home has spoken of her frustration over dealing with her insurance company.
Mum of three Gayle Edwards's home in Hollett Road, Treboeth, was gutted in the blaze which swept through the property in June 2011.
And despite moving back into the home in December 2011, Mrs Edwards is still waiting to be reimbursed for some of the repair work by her home insurance company Aviva.
A spokeswoman for the company said it had paid out more than £100,000 to Mrs Edwards and was awaiting further documentation from her to continue the claim.
Mrs Edwards said: "The house was completely gutted due to the fire, it had started in the annexe of the house due to an electrical fault.
"I have been round the houses with them, you think the insurance should be dealing with it.
"I have had to fork out myself already. My dad lent me £6,000 just to try and improve the house cosmetically.
"Just to do the drainage and fencing I have been given one quote of £11,000 and another of £14,000, you don't have that kind of money. I am quite annoyed, I had full house insurance."
Mrs Edwards added she had only received a proportion of the amount many items of clothing were worth as they were categorised as "part-worn".
A spokeswoman for Aviva said: "To date we have paid out over £100,000 on repairs and replacing belongings as part of this claim.
"The customer approached a building contractor to tender for the works and for additional private work she also wanted.
"However since the contractor completed the work there has been some snagging issues and the customer has appointed a further contractor to sort these out.
"We have asked Mrs Edwards to send us the invoices for this additional work, but we have not yet been sent these invoices.
"A further claim has also been made relating to a wall at the front of the house, but this damage is considered to pre-exist this current claim.
"And while most home contents are replaced on a new for old basis, claims for clothing is subject to wear and tear deductions in most insurance policies. We understand the drainage issue relates to the private works at the property not the insurance repairs."