A famous 400-year-old pub in Hay-on-Wye which was badly damaged by fire, is unlikely to reopen for at least a year.
The fire took hold in the upper floor at the Three Tuns
Landlady Lucy Powell - whose family has owned the listed pub for 83 years - was rescued from the blaze in the Powys town last February.
She has been told her insurers may only pay for a percentage of the re-building work, because she was "under insured".
Ms Powell said she was disappointed to miss this year's Guardian Hay Festival, due to start next week.
"I missed Easter, the May Day Bank Holiday and now the Hay Festival and I'm disappointed because they would have been busy periods for me," Ms Powell said.
Lucy Powell is one of Hay's best-known residents
"I'm hoping to re-build the pub although there hasn't been a lot of progress so far.
"I was told in February that it would be at least a year before I reopen, but work hasn't started yet so it could be a year from now.
"My insurers are saying that I'm under insured and they may only pay for a percentage of the re-building work.
"A lot of work needs to be done and water damage from putting the fire out may have loosened the ceiling as well.
The Three Tuns is one of the oldest buildings in the town, second only to Hay Castle.
It has been a watering hole for many well-known figures, including musician and TV presenter Jools Holland who will be at this year's Hay Festival, and singer and actor Marianne Faithfull.
The Great Train Robbers, who carried out what was then Britain's biggest theft in 1963, are thought to have visited the pub while they were on the run.
February's fire is believed to have started on the upper floor of the pub.