The insurance bill for the devastating Auckland floods could hit a billion dollars according to estimates but for people who aren't insured, it means starting from scratch.
Auckland was lashed by heavy rain, flash flooding and slips on Friday causing widespread damage, and with more bad weather on the way - the costs are piling up.
The sheer scale of the disaster means many uninsured Aucklanders will effectively start from scratch.
Kathleen and Allan Beazley are an example of that. The couple has pretty much lost everything.
"My son and mum had their phone, charger, medication and the clothes we've got on," Allan said.
To add insult to injury the couple's Paine Place, Māngere rental property has been yellow-stickered. And along with it most of their belongings which have been soaked, destroyed and crammed into a carport.
"We didn't have home contents insurance... every other insurance we had except that," Kathleen said.
Their landlords Felix Chen and Dan Wang are devastated for the family.
"Firstly, I worry about is she OK? Is she safe? They are nice tenants, they've been living here over two years," Wang said.
While the water was quick to recede the insurance wrangle will be anything but and Chen and Wang aren't sure when the house will be repaired.
"They didn't give us a timeframe. Every time I call them they say, 'We don't know, we don't know'. So they didn't give us very clear guidelines," Wang said.
The insurance struggle is real for many families in south Auckland. At the Māngere community hub hundreds without cover have poured through the doors in desperate need of help.
"Just driving to the centre, my head is pounding because it's this feeling like you're afraid you're going to get rejected and told you're not entitled," flooding victim Liz Faumuina told Newshub.
Meanwhile, the Beazleys are suddenly dependent on family and social services.
"It's overwhelming and humbling the support we've received. It's lots of people, we've reached out to but we're normally givers - we are givers," Kathleen said.
But now it's time to start over. One house, two very different struggles as Paine Place, like much of Auckland, begins the long road to recovery.
