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When Disaster Strikes, Scammers Follow

From tornadoes and floods to wildfires and hurricanes, natural disasters often bring out the best in people. Neighbors and strangers come together to lend a hand and offer financial support to those in need.

Unfortunately, these same crises also attract criminals who see others’ misfortune as a chance to make a quick buck, with many posing as government officials, utility workers, or insurance representatives.

How it works:

  • Someone claiming to be from the federal, state or local government may call or visit, offering help with grants, building permits, or speeding up insurance claims – for an upfront fee.
  • A utility worker might offer priority reconnection to the power grid – for an upfront fee.
  • A public insurance adjuster may offer assessments and contractor referrals – for an upfront fee.
spinner image cartoon of a woman holding a megaphone

Have you seen this scam?

  • Call the AARP Fraud Watch Network Helpline at 877-908-3360 or report it with the AARP Scam Tracking Map.  
  • Get Watchdog Alerts for tips on avoiding such scams.

What you should know:

  • In disaster situations, criminals exploit stress and urgency, using fake credentials to steal money.
  • Perpetrators often target older homeowners, assuming they may be more trusting, more likely to have assets, or may be experiencing cognitive decline.
  • Nobody from a government entity or a utility company will charge fees to help you in the aftermath of a disaster.

What you should do:

  • Always ask for and verify photo ID from anyone claiming to be with a government agency. A uniform or badge alone is not proof.
  • Check the licensing and credentials of insurance agents and public adjusters through your state’s insurance department before agreeing to anything.
  • Before agreeing to any work, check your insurance policy to make sure it's covered.

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