As disaster victims find themselves in vulnerable financial situations, they can be targets of scammers pretending to be government employees, creditors, mortgage servicers, insurance adjusters, and contractors.
FEMA scams:
In some cases, thieves try to apply for FEMA assistance using names, addresses and Social Security numbers they have stolen from survivors. If a FEMA housing inspector contacts you or comes to your property and you did not submit a FEMA application, your information may have been used without your knowledge to create a FEMA application.
If this is the case, please inform the inspector that you did not apply for FEMA assistance so they can submit a request to stop further processing of the application. If you did not apply for assistance, but receive a letter from FEMA, please call the FEMA Helpline at (800) 621-3362 or email StopFEMAFraud@fema.dhs.gov.
Individuals posing as government officials:
Be cautious when anyone claiming to be from FEMA or the state asks for a Social Security number, bank account number, or other sensitive information. Remember that HUD, the Federal Emergency Management Agency (FEMA), and the Small Business Administration do not charge fees to apply for assistance or to receive property damage inspections.
Hire reputable contractors:
Make sure that any contractor you hire is qualified and has all applicable licenses or certifications required by their field online with the National Association of State Contractors or the Washington State Office of the Insurance Commissioner.
Verify charities:
Do research before donating to new organizations or using new services. Stick with names and reputations vetted using a tool like Charity Navigator.
Do not be pressured to take immediate action:
If someone is telling you that you need to act now, they could be trying to prevent you from verifying whether the business is legitimate. Never pay in full in advance, and do not pay with cash.
Obtain offers in writing:
Ask for written estimates and contracts before you do business. Read the fine print. Make sure your contract does not include any clauses that allow for substantial cancellation fees if you choose not to use the contractor after your insurance company has approved the claim, or that require you to pay the full price if you cancel after the cancellation period has expired.
Pay with a credit card when possible:
This gives you the ability to reverse fraudulent charges, adding an extra layer of protection.
To report fraud:
Visit the U.S. Department of Justice’s National Center for Disaster Fraud’s website or call (866) 720-5721.