Woman fed up with people driving into her house

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The study concluded: “Our evaluation found traffic signage to be appropriate and adequate, and did not identify any improvements that the County could make at this time.”

The letter further stated that an improvement project for that intersection, if approved, was likely to improve traffic safety in the area. The project was prompted by requests from citizens and was on the list of candidate projects for the county’s Road Improvement Program. Marlon Patterson crashed his truck into Goza’s home more than nine months later. Goza said what the letter offered was too little, too late.

Halloran contacted Gwinnett County on Tuesday but was told by communications director Joe Sorenson that the county cannot comment on specific cases but that the intersection is on a long list of improvement projects.

Goza is also upset with her insurance company, State Farm.

“I’m upset with them because I don’t think that’s right when I have replacement value on my insurance policy,” she said.

She provided Halloran with a letter State Farm sent her, indicating it would pay her claim based on the cost of repairs with deduction for depreciation. The letter further states that actual cash value is the replacement cost less allowance for reasonable depreciation based on the age and general condition of her property.

The letter also says that one of the provisions of Goza's insurance policy is replacement cost coverage, which provides payment of the actual, necessary cost of making repairs without any deduction for depreciation but that her policy requires repairs be completed before replacement benefits are claimed.

“So I expected everything to be put back exactly the way it was before this started. Now, I’ve got to accept different bricks. They don’t make the brick size anymore. I’ve got to accept different windows, which the window won’t match that they’re putting in out there.”

Halloran asked State Farm for a response to Goza’s criticism. Roszell Gadson, with State Farm, sent her the following email response:

“Thanks again for reaching out to us. We are in communication with our customer and are actively following up on this inquiry.

"While I am unable to speak to the specifics of this claim due to customer privacy reasons, I can share in general terms that when a policyholder has a claim, it is evaluated and the insurer and the customer work to come to an agreement on the cost of repairs. If a policyholder does not agree with our evaluation of the claim, then we are always open to review and consider any additional information they have to help us reevaluate any decision we make.

"For most homeowners claims, once damage has been estimated for repair or replacement, the policyholder is paid the actual cash value (depreciated value) at the time of the initial settlement. The policyholder carries the responsibility of following through with replacing or repairing the home/damage. Once repairs are completed, homeowners (and/or their contractors) receive the remaining replacement cost benefits, subject to the terms and conditions of their policy. This process is in place to help ensure that paid for repairs are completed and the home is returned to a safe and habitable condition."