SAN DIEGO -- Two years after the devastating 2007 wildfires in San Diego County, 10News learned that many families who lost their homes have not yet been able to rebuild.

"It's very much an emotional roller coaster," said Donna King.

King and her family just moved back into their new home a month ago, nearly two years after the Witch fire swept through Ramona.

The King family's two biggest roadblocks have been dealing with their insurance company and the county's permitting process.

"You find out they have their own agendas," said King.

Of the 1,500 homes destroyed by the Witch fire, only about half of the homeowners have broken ground and started the rebuilding process, according to Quality Claims Management president Ron Reitz.

Reitz said his company found another reason for rebuilding delays -- alleged low-balling by insurance companies, where an adjuster underestimates the amount it would take to rebuild after a disaster.

"$150 a square-foot is absolutely not enough. $300 is closer to what we've been seeing," said Reitz.

King also found out her old home was underinsured by about $150,000.

"Many, many years ago, they used to write these policies so that no one understands them. Then, they've been forced to write for the average person to understand. I guarantee the average person still can't understand it," said Retiz.

"We thought that with our 'gold' policy by their name, that we were covered," said King.

Many have been able to rebuild in Ramona, and one resident told 10News he had no problems with his insurance company and the county.

While King's story is different, she said she is glad it is almost over.

"We're just hanging in," said King.

Quality Claims said now is the time for homeowners to review their insurance policies and to make increases to coverage if recent home upgrades have been done.

Experts urge homeowners who have coverage questions to get answers in writing or e-mail.