Caution tape still sits on this mailbox.
"It's just entirely too depressing right now," says the homeowner.
It's been 2 years since the house caught fire and was destroyed.
It's been determined the blaze was caused by an accidental grease fire.
"I still can't believe that I'm going through what I'm going through and what makes it so badly that they have just tore the house up so much. There's no way in the world I can restore it. I can't restore it," she explains.
As you can see since the fire this house has been destroyed. Vandals have taken off the garage door.
"They have taken everything they could get out of there," explains the victim.
Our investigation shows Chattanooga Police have been called out at least 6 times since the fire.
But, the main question-- why hasn't there been a settlement with the insurance company?
"You pay your insurance to insure yourself for accidents. For them not to fulfill their side of the obligation that makes no sense whatsoever," explains the victim's grandson.
"I think they are just discriminating against me because of my age and I'm a black woman and they think I'm old and I'll probably pass on," she explains.
With little response from the insurance company-- the victim still owes a mortgage payment on a house that's not live-able.
She goes on to say, "What hurts me so bad. I could find me an apartment if I wasn't still paying my mortgage."