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Moore homeowner battling insurance company

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MOORE, Okla. -- A single mother in Moore says she's had to turn to an attorney to help fight her insurance company almost six months after the May 20th tornado heavily damaged her home.

Lyndee Harrison says she can sum up her life in one word - chaos.

She and her 11-year-old daughter, Layah, are living out of two rooms in their house.

Boxes and suitcases and piles of their lives sit in the living room as they wait for their home to be fixed.

"I don't feel like I've had any help at all. Everybody says something different. I know I've been lied to," said Harrison.

Harrison says her insurance company, State Farm, didn't believe she needed an engineer to look at her home, even though a back brick wall moves, doors don't completely shut and there are cracks throughout.

"I've constantly been begging. And it's time consuming with my job too," said Harrison.

And she says advice from her initial adjuster could have potentially killed her.

Her carbon monoxide detector was going off when he entered the home about a week after the storm.

"He told me it was the battery," Harrison said.

Two weeks later, a contractor became concerned.

"He said I was pale white, like a ghost. And he asked me immediately, he just said have you had your hot water tank checked?"

The flue pipe had blown off and carbon monoxide was leaking into Harrison's home.

From the beginning, she says State Farm has told her her home is habitable, and they've paid no additional living expenses.

"It happened in '99 and now it's the same thing," said Harrison's attorney, Jeff Marr.

Marr is representing dozens of Oklahoma homeowners who don't feel their insurance companies are settling fairly with them.

He says many insurance policies set a time limit for lawsuits and that with State Farm, it's one year.

"If you haven't filed a lawsuit against your insurance company by May 20th, 2014, you're barred from doing. So the clock's ticking.

Jim Camoriano, Media Relations for State Farm in Missouri, Kansas and Oklahoma, sent us this statement in response to Harrison's case.

"Out of respect for our customers’ privacy, we have a policy of not discussing individual claims. We evaluate each claim based on its own merits. As the leading property/casualty insurer in Oklahoma, State Farm has handled thousands of claims this year associated with tornadoes across the state, including Moore. Our customers know that we in fact do keep our promises in their time of need."