They say it, then like Cebu Pacific, when they are late they just deny it. So do you really have the time and energy to fight it? No, like health insurance in the US, they know most people who have a legit claim, will give up.
mine's been in there for 5 years untouched, after my retirement visa lapsed while outside thailand, i went to get another one on this trip, and they said i had to prove the money came from abroad. it's the same money they already approved two visas for. so basically it's tea money or send it out and back in again, or send another 800k.
Well she's getting you to rebuild HER home, so you might as well just give HER the money to pay the builders. Then you're out of the picture legally. Just monitor the costs.