How to Protect Yourself from Common Disaster Scams

Natural disasters can leave communities vulnerable- not just to damage, but also to scams. Fraudsters take advantage of the chaos and use deceptive tactics to steal personal information and money. This guide will walk you through common disaster scams, warning signs, and steps to take if you suspect fraud.

Download our tip sheet with important phone numbers, scam prevention tips and worksheets and more.

MEMBERS ONLY

COMMON DISASTER SCAMS: HOW TO SPOT AND AVOID THEM

Contractor Scams

When natural disasters occur, fake contractor scams become more prevalent as they take advantage of homeowners’ urgency. These scams show up in one of two ways: contractors that show up and use high-pressure sales tactics to push you to pay upfront for their services or contractors will claim that your house is damaged when there is no damage.

Avoid Contractor Scams

Never give a deposit more than a third of the total cost; ask and review referrals; check a contractor’s license with the California Office of Small Business Advocate; review the Better Business Bureau for any complaints; and get at least three bids for your project.

Government, Utility and Insurance Impostors

Scammers will often pose as government officials (like FEMA representatives), utility workers or insurance representatives to try to take advantage of those who have been affected by a disaster. They may call, email, or even show up in person, claiming you need to pay fees to restore services, speed up insurance claims, or qualify for insurance relief.

Avoid Imposter Scams

Stay safe by verifying your sources. Contact the agency directly using official contact information. Remember, government agencies and legitimate companies will never demand immediate payments or sensitive details over the phone. For more information visit, How to Avoid United States Government Grant Scams.

Phony Real Estate and Rental Scams

Real estate ‘professionals’ will either make low-ball offers to buy your property or make a deal that sounds too good to be true. For rental scams, criminals will advertise a place for rent that either doesn’t exist or is owned by someone else. Red flags include below-market rent; photos with unrelated watermarks; demand for payment to view the property; sense of urgency and poor communication.

Avoid Real Estate Scams

Research the property. The Federal Trade Commission recommends searching for the rental’s address along with the name of the rental company or property owner. If a different name comes up in your search, it could be a scam. Never pay a deposit before leasing and always see the property in person.

Fake GoFundMe Fundraisers