They say there are discrepancies with reports and parts are missing from them altogether. So, all they want is a full assessment since they say they haven't had one yet.
November's tornado damaged more than 200 homes in town, but some of the damage isn't visible from the outside.
"I immediately noticed a hump in our kitchen floor,' said Autumn Wake. "It had just risen up."
Wake says someone came to take a look that same week, but he didn't check underneath the home.
"We asked him, 'why,' and he just looked at us like he hadn't even contemplated going under the house to figure out what was going on," said Wake.
The insurance company told them the home might be settling, but Wake says it doesn't explain why parts of the floor are raising. Plus, they're seeing horizontal cracks in the walls.
They got their own engineer who said the pillars supporting the house had been affected.
"It's very fixable right now, but if we start dealing with a collapse in the middle of our home where we live and are staying, obviously that's going to cause a lot more problems and damage," said Wake.
Even after a second insurance report, Wake says it isn't complete and she doesn't know what to do to fix it.
"It's unjust," said Wake. "It's immoral. There's just no way they should be standing behind that report."
The Wake's say they're grateful to have their home but just want to make sure it's safe.
A spokesperson for their insurance company, USAA, says she couldn't specifically address the case because of privacy concerns. When asked if another person would be sent out to do an assessment, she said every claim is different.
Copyright 2015 Nexstar Broadcasting, Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.