How To Avoid Scams After Weather Emergencies and Natural Disasters

Potential Scam Scenarios

Scammers use a variety of tactics to exploit people during the aftermath of disasters. Here are some of the most common scams to watch out for:

1. Imposter Scams
Scammers often pose as safety inspectors, government officials, or aid workers, claiming they are there to help. They may ask for sensitive information or upfront payments for services, such as inspections or applications, that are usually provided for free by legitimate organizations.

2. FEMA Impersonators
One common scam involves individuals impersonating FEMA (Federal Emergency Management Agency) representatives. They may offer to help you with your FEMA application but will charge an upfront fee, which is not a part of any legitimate FEMA process. FEMA does not charge for applications or assistance.

3. Home Improvement and Debris Removal Scams
After a natural disaster, many people need repairs to their homes or businesses. Scammers may pose as contractors offering quick debris removal or repairs but will often demand large sums of money upfront or perform subpar work, leaving victims with little recourse. They may also disappear after taking payment, leaving your property in worse condition.

Recognize the Signs of a Scam

While scammers can be clever, there are warning signs that can help you spot fraudulent behavior. Keep an eye out for these red flags:

Ways to Avoid a Scam

Protecting yourself after a natural disaster requires both awareness and due diligence. Here are steps you can take to reduce the risk of being scammed:

1. Know that FEMA Doesn’t Charge Application Fees
FEMA provides disaster assistance for free, and they never charge for processing your application. If someone asks for money to help you qualify for FEMA funds, it’s a scam. Always verify through FEMA’s official website or hotline to ensure you’re dealing with legitimate representatives.

2. Verify Your Insurance Coverage
Don’t rely on a contractor to tell you what your insurance covers. Always contact your insurance company directly for details about your policy. Additionally, never sign over your insurance check to a contractor. You want to maintain control over how your funds are spent to ensure the work is completed properly.

3. Be Skeptical of Immediate Offers for Repairs or Clean-Up
In the rush to clean up or make repairs, it can be tempting to accept the first offer that comes along. However, unlicensed contractors and scammers often show up in disaster-affected areas promising fast fixes. Be cautious of anyone who demands cash upfront or won’t provide copies of their license, insurance, or a written contract. If they refuse to give you any of these, walk away.

4. Get a Written Contract and Read it Carefully
Contract requirements vary by state, but even if your state doesn’t mandate a written agreement, always request one. A contract should outline the scope of work, materials to be used, payment schedules, timelines, and any guarantees. This provides you with legal protection if the contractor fails to deliver on their promises.

Take Action: Protect Yourself and Your Community

As we work together to rebuild after disasters, staying informed is the best defense against scams. Share this information with friends, family, and neighbors so that everyone in your community is aware of these fraudulent schemes. If you suspect you’ve encountered a scam or have been the victim of fraud, report it to local law enforcement, the Federal Trade Commission (FTC), or FEMA’s Disaster Fraud Hotline.

Recovering from a natural disaster is hard enough without having to deal with the fallout from scammers. By recognizing the signs and taking the proper precautions, you can help ensure that your recovery is smooth, safe, and scam-free.

Additional Resources:

Stay safe, stay informed, and protect yourself from those who might try to take advantage during these challenging times.