BELLEVUE, Wash. - Wednesday marked one week since floodwaters filled parts of Factoria Boulevard, along with nearby homes and businesses. Little has changed inside the damages houses, and homeowners say they're getting more frustrated by the day.

Beth Hinkson's home now looks like a construction zone.

Her walls and floors have been stripped and her kitchen appliances have been destroyed. Yet because her insurance policy doesn't pay for the cost of a hotel or alternative place to stay, she is forced to live on the second floor of her essentially unlivable townhome.

"It is extremely hot and extremely noisy in here," she said, referring to the dehumidifiers that have been running inside her home for the last seven days. "It's overwhelming."

Many of her neighbors are in the same situation. Eight condos were damaged by the floodwaters.

"When we called to file our claims, we're finding out we don't have appropriate insurance coverage," said Kim Kastens.

The policy she has through the homeowner's association will pay for repairs to the building's structure, but Kastens says her personal insurance policy doesn't cover the furniture and other items that were inside her home.

She hopes others will learn a lesson from what happened to her, and always read the fine print in your insurance policy.

"I'd just say think of the worst case scenario and everything you're going to have to do to get through that worst case scenario," she said. "Can it be insured and can it be covered in an insurance policy? Ask those questions."

The insurance issue is just one neighbors in the Newport Villa Condos are dealing with. They also say the city has provided few answers and no support.

"I've called risk management with the City of Bellevue," said Hinkson. "They didn't return my calls."

Initial reports suggested that silt socks the city placed in drains on Factoria Boulevard as part of an ongoing construction project might be to blame for the flooding.

On Wednesday, one week after the flood, a city spokesperson told KING 5 that is not the case.

She said the city has gotten the results of its storm event summary report, which say the floods were caused by a 1,000 year rain event.

The city spokesperson also said the silt socks used in connection with the construction project were removed on July 29th. Since that was two weeks before the flood, she says they couldn't have played a role in what happened.

Instead, she says the silt socks seen being removed from the drains on the day of the floods were actually installed after the city learned of the flood, to help catch oil and other contaminants from going into the drainage system.

Hinkson doesn't quite buy the explanation, at least not yet.

"The thing is, having lived here for 22 years, this was not the biggest rainstorm we've had," she said. "It's just not."

If the silt socks weren't to blame, she believes poor maintenance of storm retention ponds and catch basins could be connected to the flooding.

"That's what we need to know, is when was the last time they were cleaned out," she said.

Neighbors vow to keep asking those questions, as they wait for their homes to be repaired. They're also meeting with an attorney this week, to explore their options.

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