. >>> todd aldrich from channel 9. >> she signed a contract and paid for a headstone -- headstone and september. know you can keep your financial big picture under control. know you can see how much you have to spend and whether you should transfer funds. know you can easily keep track of what you're putting away. and know you're budgeted for the great escape. stocks are mixed on wall street today after the release of some fourth-quarter earnings. the dow fell 57 points, nasdaq up about eight and s&p 500 fell a little more than 3.5. local women who ran into consumer nightmares after their husbands diecast orange county woman could not get the cemetery headstones she paid for and kissimmee widow claimed a major airline refused to refund for tickets she could never used it they both turned to action 9's todd aldrich for the results. >> first airline tickets, we all the refund policy for the carriers are far more restrictive now than ever. but for certain tragic event you can still make a case for common sense. >> reporter: this kissimmee woman and her husband have first-class tickets to

. >> reporter: todd aldrich from channel 9, did you find hail damage on this house? >> did i find hail damage expect that's the question. >> we recorded what he did. he never left the small area. >> we watched the inspection pit you spend a lot of time smoking a cigarette and on your phone. this is the only section you are on. >> that's all i needed to see. >> reporter: what about the pictures proving hail damaged shingles. >> it had nothing to do with hail. >> reporter: and insurance industry study found a huge increase in exaggerated claims were contractors took over the >> there is no such thing as the free roof. >> reporter: the florida roofing association of fighting support -- others fighting the practice claim it could drive the premiums by 10 percent. >> homeowners do not understand that it is not real damage. >> reporter: elr manager tells me this guy was there consultant who educates consumers and he did nothing wrong. >> i have the expert who said you are full of it. >> reporter: todd aldrich, channel 9 eyewitness news. >>> if you suspect actual damage, ge

. >> action eyes -- nine has been exposing these medical todd aldrich width of propose to ban the charges for medical bills come out of nowhere, fully insured but providers are not in your planned network can hit you with huge fees. this proposal protects consumers. >> and ambulance flight costing this woman $30,000. a medical chopper company build in this patient in clermont 25,000. both women fully insured but the emergency transportation was out of network so they had to pay skyhigh rates. >> it is ridiculous how much they charge before. >> reporter: since 2011 action 9 investigated eight cases where families were slammed with surprised bills. and ambulance rushed this heart attack patient to an out of network hospital instead of paying a few thousand and he was hit for 46,000. >> that was the furthest thing network providers and go to that hospital. >> reporter: a reform law is working its way through florida house and senate committees. during emergency treatment and could only be billed discounted and network rates. florida's insurance consumer advocates sarong james say it is neede