We had a lot of initial work that had to be done and these people need to be paid. We pay fees and taxes to the city. We hope your insurance will pay for the damage. If not, we feel the city is responsible for the difference.

On Nov. 15 disaster struck. I went downstairs to shower and shave and about halfway down the steps I could see something.

I spoke with the insurance company and told them they should discuss the matter with the city.