The Patterson's house in Creswick now resembles a war-zone more than a family house, after flood waters wreaked havoc on Saturday.

There are holes in the walls, windows are broken and every single possession has been destroyed.

A caravan even ended up in their backyard.

Their house is among a string of homes damaged along Albert street, but has suffered the most damage.

''Within an hour the water ripped through the house and we couldn't do anything about it,'' Mr Patterson said.

In a cruel twist of fate, the family has had insurance on the home for 15 years but missed last month's payment and now believe the home is not covered

''You pay insurance for 15 years and you miss one month and this happens,'' he said.

''I've never not been able to put a roof over their (my family's) head.''

Mr Patterson lives in his home with his wife Donna and children Skip and Sarah.

Their house backs on to the river that overflowed.

They are currently residing at Creswick's Forest Resort, which is playing host to many that have been forced out of their homes.

The resort has donated a villa for a month to accommodate the family.

''At least now I can put a roof over their head for four weeks.''

GIO Insurance spokeswoman Monica Vardabasso said leniency can be given for cases such as the Patterson's but she could not comment on their case.