With the third anniversary of the 2016 flood quickly approaching, an important deadline is looming for flood victims.
After the flood those who received assistance from FEMA joined into a group flood insurance policy that lasted for three years, now that it is set to expire those people are responsible for their own policy.
“The time is now to go in and go ahead and get the estimates for the flood insurance to find out how much they’re going to be paying and prepare for that,” said Program Coordinator of State Floodplain Mgt. Kevin Sneed.
According to the Department of Homeland Security and Emergency Management if people do not get their own flood insurance policy and another flood would hit, those people would not be eligible for FEMA assistance.
“You’re taking a chance, it could happen again next month, we don’t know. You just never know when it’s going to flood in West Virginia, but you know it is going to flood in West Virginia,” said Sneed.
Some flood victims never knew the policy existed though, leading them to waste thousands of dollars on their own policy.
“I know probably a couple people who went and bought a policy not knowing they had one paid for them for three years,” said Dave Knight, Knight Insurance of Clendenin.
According to the Department of Homeland Security and Emergency Management, it was in the fine print.
“When they sign the dotted and say hey I accept this payment or whatever it says that in the paperwork that they are enrolled in a flood insurance policy that lasts three years,” said Sneed.
The group insurance plan will expire around the end of August, but the State is urging people to begin their search now because obtaining a policy can take quite a bit of time.