Nightmare is 'just beginning' for homeowners with flood damage
- by Jeff Barr, Kalamazoo Gazette
Like many residents digging out from the flooding, the Kosleks did not have flood insurance. Current Federal Emergency Management Agency maps clearly show their home to be within a flood zone. But the mortgage was granted in 1996 without flood insurance because the home was not deemed to be in a flood zone at the time.
'Somewhere along the line, things changed, and we were not notified by our insurance agent that we are now in a flood zone,' John Koslek said. 'But we sure were notified the day after the flood that our insurance wouldn't cover us.
'Somewhere, someone dropped the ball.'
Angie Rinock, public-affairs official at State Farm Insurance, says FEMA does not notify insurance companies when flood zones change and that insurance agents do not typically notify homeowners.
'We wouldn't go after the homeowner,' she said. 'They would come to us.'