Picking Up The Pieces After a Disaster

Whether you’re getting ready to deal with the aftermath of Gulf Coast storms, Laura and Marco, dealing with the ravages of wildfires out West, reeling from the derecho that struck the Midwest, or facing another natural disaster, handling the aftermath is never easy. But when scammers target people just trying to recover, it can be even worse. Here are some tips to help you avoid common post-disaster scams.

• Be skeptical of anyone promising immediate clean-up and debris removal. Some may quote outrageous prices, demand payment up-front, or lack the skills needed.
• Check them out. Before you pay, ask for IDs, licenses, and proof of insurance. Don’t believe any promises that aren’t in writing.
• Never pay by wire transfer, gift card, or in cash. And never make the final payment until the work is done and you’re satisfied.
• Guard your personal information. Only scammers will say they’re an official and then demand money or your credit card, bank account, or Social Security number.
• Know that FEMA doesn’t charge application fees. If someone wants money to help you qualify for FEMA funds, that’s probably a scam.
• Be wise to rental listing scams. Steer clear of people who tell you to wire money or ask for security deposits or rent before you’ve met or signed a lease.
• Spot disaster-related charity scams. Scammers will often try to make a quick profit from the misfortune of others. Check out the FTC’s advice on donating wisely and avoiding charity scams.

Bookmark Dealing with Weather Emergencies. If a weather event or disaster affects you, come back for more tips on recovery and information about your rights. Like all our materials, the site is mobile-friendly, so you’ll have ready access to information when and where you need it.

Suspect a scam? Report it to the FTC at ftc.gov/complaint. Want information on the latest frauds and scams we’re seeing? Sign up for our consumer alerts.

Click the image above to access a document from the FTC

The views, information, or opinions expressed in this article are solely those of the author and do not necessarily represent the views of Citizens State Bank and its affiliates, and Citizens State Bank is not responsible for and does not verify the accuracy of any information contained in this article or items hyperlinked within. This is for informational purposes and is no way intended to provide legal advice.