The battle to return home after hurricanes Helene and Milton continues for many across the Tampa Bay area, including a St. Petersburg woman who feels short-changed by her insurance company. She reached out to 10 Tampa Bay, and we got some answers. "I was walking through a waterfall of rain in my house. It was just devastating,” Kim Zetta said. It's still tough for her to describe what it was like in her home the night Hurricane Milton sent damaging winds through Pinellas County. Her St. Pete home for over 30 years was ruined, the roof strewn about the neighborhood. “Five by ten [foot] chunks were in the driveway, across the street, on my friend’s car that was parked here,” she described. While she thankfully came out unscathed, Zetta hired a public adjuster who surveyed the damage, the torn-off roof and the water and rain that poured inside. “Everything got wet from the top down, and the water just puddled between the walls,” she explained. They filed a claim with her insurer, the state-backed Citizens Property Insurance. Including contents and living expenses, it tallied up to a more than $300,000 claim. Zetta’s policy covers a total loss. “My policy was only for $269,000 which would be fine. We can [repair] it for that," she said. Zetta says initially Citizens only gave a partial payment of roughly $52,000, then that became the only payment. She and her adjustor appealed but received a letter a few weeks ago that the insurer’s “previous position has not changed." “What am I supposed to do with that? That's barely getting the house gutted and putting the drywall back up," Zetta said. “It's frustrating to know that the insurance that I thought I'm paying for, in case I need it, which I hope never do, is not coming through for me.” MORE: https://www.wtsp.com/article/news/local/pinellascounty/home-damage-milton-citizens-insurance/67-76f72af0-f861-4e36-932b-013c7aa2cb38