She got one hell of an awakening when the truck slammed into her brick residence about 6.15am Saturday, but miraculously neither she nor any of the house's other occupants received so much as a scratch.

Ms Elliott said she heard something that sounded like a train but "a trillion times louder then the screeching and screaming of metal" as the truck ploughed into the Mitchell Highway side of the property, which sits on the corner of Severn Street.

On its way, the truck burst through a 60,000-Litre pool and collected a tree that it carried with it through the house.

"The impact took out two bedrooms and the lounge room," Ms Elliott said.

"My son-in-law was in one of the rooms and the cabin hit the side of his bed and pretty much sat there looking at him.

"He'd only just gone to bed after being on call all night and of course woke up to a massive tidal wave of water from the pool. Thank God he wasn't squashed."

A police spokesperson said it was a miracle the family was not harmed.

He said the truck had been travelling west along the Mitchell Highway into Geurie when it hit the left guard rail of a bridge and skidded along off the left side of the road, clipped the tree and went through the above-ground pool and into the house.

The driver, a 35-year-old Sydney man, was taken by ambulance to Dubbo Hospital to be treated for minor cuts.

Police interviewed him at the weekend and an investigation is ongoing.

Before they knew what had happened, the sound prompted members of the family to think a pool pump may have burst.

"We'd had that pool for about two years and had trouble keeping it clean and getting it right but Friday afternoon it was finally ready to swim in and this happened," Ms Elliott said.

But the high-maintenance pool may have proved a saviour, Ms Elliott explained.

"The truck's diesel tank ripped open and poured through the house," she said.

"There was an explosion and a massive fireball but the pool water helped put out the fire.

"I don't know how the driver got out but he managed to climb out."

After the truck hit the house, a horrified Ms Elliott began calling out to her son-in-law, son and his girlfriend.

"No one was answering, at first, it was very scary," she said.

But Ms Elliott was overcome with relief when the group found each other amongst the mess.

Ms Elliott was full of praise for emergency services who were quickly on the scene helping to secure the site.

"Police had been patrolling the scene so they were there very quickly, then the SES, ambulance and HAZMAT team turned up," she said.

"And the SES even dug under the rubble to get my plants out"

Since the incident, the family had not been allowed back into the house.

"Its too dangerous, at the moment we're trying to sort things out with the insurance company," Ms Elliott said.

The family had been staying at a relative's house but Ms Elliott said they needed to be near Geurie to look after all her animals.

"I have chooks, peacocks, goats and dogs, along with my family they are my life," she said.

"I'm glad none of them were hurt. The animals weren't too shaken up, they didn't care, they just wanted to be fed."

Describing herself as a "very lucky person" in general, Ms Elliott said she might write a book about the incident.

"I'd call it A Day In The Life of Jo," she said.

"If it's gonna happen, it happens to me. But in a good way.

"All I can say is that if the driver wanted to stop for a coffee, he should've given me a call first."