PORT ALLEN - Some homeowners in Port Allen reached out to 2 On Your Side to share their story after learning their insurance policy doesn't cover the damage to their home. 

Debbie and Mickey Banta weren't expecting this type of trouble just a few years after they had their roof shingles replaced. Their house has water damage. The source might be disguised, but on the ceiling it's evident.

"That black spot keeps getting bigger, and bigger, and bigger," said Mickey Banta.

The Bantas know that the mold spot on their ceiling is a problem. They called a roofer to inspect the problem in their roof and attic. They also consulted Farm Bureau Insurance for help.

"They found a soft spot, and they found where one of the braces had cracked," said Mickey Banta.

The couple has been with Louisiana Farm Bureau Insurance for 34 years. The company says it's not taking responsibility. Louisiana Farm Bureau Federation spokesperson Avery Davidson provided the following statement to WBRZ.

“We are sympathetic to the Bantas’ situation. Louisiana Farm Bureau Insurance is committed to reviewing every claim thoroughly for our policyholders. Following an inspection of the Bantas’ home, it was determined that the claimed damages were caused by improper construction, which is specifically excluded under their policy. Louisiana Farm Bureau Insurance has communicated with the Bantas throughout this process. We remain open to reviewing any additional information or documentation provided by the Bantas regarding this claim."

"We really thought that we were going to get some kind of help from Farm Bureau," said Debbie Banta. 

Four years ago, the Bantas filed a claim for new shingles following a hail storm. They reached out to the company that installed them, Geaux Roof, who came out last week. Geaux Roof says they did not find a leak in the roof, nor did they find any signs of leaking or issues with the shingles. The company revisited the home this week, telling the Bantas the moisture could be due to condensation or humidity. Either way, the two-year warranty for the shingle work has long expired.

The Bantas received an estimate from another roofer to repair the damage that gave them sticker shock. They don't need the whole roof replaced, just the damaged area fixed.

Geaux Roof remains in contact with the Bantas.