Family still struggling one month after tree fell on house

Family still struggling one month after tree fell on house »Play Video
A tree fell on the Bodreaus' manufactured home a month ago, causing this damage.

BORING, Ore. -- A local family survived a tree falling onto their house, but the aftermath has turned out to be even more difficult.

The tree came down on the Bodreaus' manufactured home in Boring about a month ago. The family said the tree hit the roof over their children's bedrooms, crashing through the roof and stopping just a few feet from one of their daughter's beds.

"The whole house shook," said Jessie Bodreau, the children's mother. "As I ran through the house, I realized, oh, my gosh, it's where the kids are!"

The kids were scared, but not hurt, she said. She and her husband packed up clothes and supplies for their four children and headed to a relative's house. But the grimness of their future began to sink in.

"We went from, 'Glad everybody's okay,' to, 'We're homeless, we don't have a home,'" she said.

The Bodreaus purchased the house, their first home, two years ago and purchased insurance. But Bodreau said their insurance policy did not cover enough.

Bodreau said they had insurance for the cost of the house, so they could pay off the loan, but they did not have insurance for the cost of replacing the house, so they have to start over.

Also, she said they had insurance to take care of the demolition and removal of the house from the lot, as the park is requesting, but for only about a sixth of the $6,500 demolition and removal cost.

"Everything is really up in the air," she said.

Bodreau said the family does have enough money to rent a house, and they have moved in. She said they are figuring out plans to get the damaged house off the lot, as required by the park.

But she said she hopes they will have enough time to be able to sell the damaged home to a buyer, so they will not have to pay for demolition and removal.

And she added, if they are able to buy a house again, they will do more research to see what they will really need, if something goes wrong.

"I would never like to get stuck in this situation again," said Bodreau.

We asked Bard Hilliard with State Farm to help people figure out how much insurance they need. He offered this advice:

"When looking at insurance for your home, a good place to start is to make sure your home is insured up to 100 percent of its replacement cost," said Hilliard in an e-mail. "This figure is often different from the purchase price of the home."

He provided a link to help you determine the difference between market value and replacement costs for your house.

He added, "Try to consider, if your house was destroyed, whether the coverage amount you have selected would be enough to cover the cost to replace your home, personal belongings, and other property structures."

Hilliard also suggested you make a video or take pictures of every room in your house, paying close attention to what is on the walls and in your drawers or closets.

"Keep an accurate inventory in a safe place off the premises to help make the claim settlement process easier and faster," he said.

He also recommended meeting with your insurance agent at least once a year to make sure your coverage matches what you want and need.