Couple desperate to keep roof over their heads
"I AM lost. Part of it is the feeling of inadequacy because I can't support my family and the other part is frustration at the banks."
Those were the words of Bundaberg man Glenn Green who has been told he will lose the insurance from his home and possibly his mortgage if he and his family don't pay for roof repairs by October 27.
But it isn't as easy as handing over a cheque to a builder. Mr Green's wife Rhiannon was in a horrific motorbike accident in October last year which has put major strain on their financial status.
"I was on my bike and it T-boned a car. The fuel tank crushed my pelvis so I have a lot of pins and plates in there," Mrs Green said.
"I broke my left hip and I've got nerve damage which affects my leg. I ruptured my spleen and broke seven ribs. I fractured my arm and I also did damage to my bowels so I have a stoma now as well. I have a few operations left. It has been a long recover process."
Mr Green, who works on a casual basis so he can get his wife to and from medical appointments, said they enquired about an insurance claim through Commonwealth Bank in 2014 after the roof of their home was damaged in a storm.
"They sent an assessor out who then sent a builder out. We were then sent a letter to say that our claim had been denied," he said.
The Commonwealth Bank have now given the family until October 27 to fix their home or they will lose their insurance.
"Part of our mortgage requirements is that the house needs to be insured," Mrs Green said.
"I tried to ring the bank to see what our options are and explain to them that we are not in a financial position to get it done at the moment. They couldn't give us any other options."
A spokeswoman for Commonwealth Bank said for an insurance policy to be valid, a building must be properly maintained, having not been damaged directly or indirectly by wear and tear, lack of maintenance which includes rust, corrosion and deterioration.
"It is important to ensure that your property and its contents are well maintained in order for your insurance to be valid. It is also a good idea to have the property inspected for any maintenance issues at the time of purchase to prevent or mitigate loss that may be incurred," the spokeswoman said.
"These situations may occur if a property is not properly maintained and it's clear that any damage is as a result of a lack of maintenance."
The couple have had quotes for the roof repair work and are looking at paying between $6600 to $10,000.
"The accident has very quickly dried up all of our funds and resources so we just don't have any sort of reserves we can access to pay for roof repairs," Mrs Green said.
"We are waiting on the insurance claim from my accident but that won't come through for a while. I have to be in a stable position physically and emotionally and either back at work or deemed to not be able to return to work before that process even starts."
"So we will eventually have the money but right now, we are struggling."
The situation has left Mr and Mrs Green feeling completely lost and unsure of their future in an already hard time..
The couple are seeking help from any local business who are willing to do the work with payment to be made as soon as they get their insurance money through.
"We have a thousand dollars in tax that we are willing to put towards labour or materials now," Mrs Green said.
"If some business was able to say 'here is a new roof that is going to cost $10 000', I would sign a contract then and there to say we would pay them back as soon as we were financially able to. Right now, we just don't know what else to do or where to turn," Mr Green said.