Jasmine Higgins has had enough.
Nearly seven months after the Kiama tornado forced the single mother out of her rented Minnamurra Street home for six weeks, she's decided to take her two sons, Cohen, 5, and Beau, 6 months, and leave.
The straw that broke the camel's back landed in her letterbox last Friday - an arrears notice advising her she owed $1850 in rent for the period of time she spent living with friends and relatives immediately following the disaster.
Ultimately the letter was a mistake, and the Raine and Horne Kiama property manager told a stressed Ms Higgins to "tear it up" on Monday, blaming a clerical error for the notice's release.
The real estate agent told Ms Higgins the reason the arrears notice existed in the first place was because CGU Insurance, which underwrites Ms Higgins's unit complex's strata insurance, hadn't paid the real estate or the landlord for the financial losses incurred due to the tornado. The real estate agent had assured Ms Higgins immediately following the disaster that she would not have to pay rent for the time she spent away from the damaged unit.
But CGU Insurance has disputed this, and a company spokeswoman said yesterday: "we understand that compensation for loss of rent has been paid to all policy holders."
"We review each claim on its individual merits and ensure entitlements under the policy coverage are received," the spokeswoman said.
While speaking to Raine and Horne, Ms Higgins was also informed her landlords had just changed real estate companies, meaning the unit was now run by a different property manager.
It was all too much for Ms Higgins to bear.
"Really, I just want to get away from it all now and start afresh."
"I've outgrown the place anyhow so this has given me more of an incentive," she said.
Ms Higgins's drama unfolded the same day a community forum aimed at improving disaster responses was held at the Kiama Pavilion.
Member for Kiama Gareth Ward helped chair the meeting, and said educating residents about which emergency services were available during a natural disaster was a major point raised during discussions.
"The growing use of social media sites such as Facebook was ... raised as an important tool for broadcasting disaster locations and emergency services information quickly among local towns and communities," he said.
Mr Ward has, in the past, said insurance companies could do more to ensure timely relief was made available for residents in the wake of natural disasters.