TODAY | January 06, 2013
>>> island. superstorm sandy destroyed their storm and adding insult to injury, they are battling their insurance company and their home was showed in a television ad for allstate . here is michelle franzen .
>> reporter: it is a view sheila and dominique trena still can't believe is real.
>> it is our home, our white picket fence .
>> reporter: the couple's staten island home where they lived for more than 40 years and raised four children was destroyed by sandy.
>> the grandkids would come over.
>> that was their clubhouse. they loved it.
>> reporter: their possessions, mementos and investment gone. the couple says their insurance company , allstate , is refusing to pay their full claim, instead, offering them a $10,000 payout for their house.
>> we didn't sign it. we didn't cash it. we don't even want $10,000. that's a joke.
>> reporter: at the same time, allstate recently featured their destroyed home in a television ad thanking employees who were also affected by the storm.
>> some of them lost their houses.
>> they used our house and said they were caring. this is no the caring. this is a money thing.
>> reporter: the trenas say the insurance company concluded their home was damaged by flooding. they don't have flood insurance and say they canceled their policy several years ago but they believe their home was damaged by wind, not the storm surge .
>> we know what our neighbor had told us, that the wind hit it and knocked it down.
>> reporter: a big difference, experts say, that could determine what is covered under a standard home insurance policy.
>> the two big disasters that are not covered, one is flooding, and the other is earthquake.
>> reporter: in a statement to nbc news, allstate says it continues to reach out to the trainas to discuss their concerns. it is our understanding that they chose to drop their flood insurance policy before sandy struck. as for the tv ad , allstate says it does not reference them as customers or in any way imply they are satisfied with the status of their claim and added the company regrets any concern the commercial caused them. meanwhile, sheila and dominic are staying with friends and family members have created a website so people can donate to help them rebuild their lives.
>> i don't know where we'll go.
>> reporter: for "today," michelle franzen , nbc news, new york.