Natural disasters can happen without any warning, leaving tragedy and devastation in their wake. Our thoughts are with those who have been affected by these catastrophic incidents.
Unfortunately, these situations can also bring out scammers trying to take advantage of those in danger. They can pose as numerous individuals or agencies assumingly offering help – but their only goal is to steal money from victims. How can you protect yourself from additional loss? Here’s what you need to know about impersonation scams after a natural disaster.
What Does a Natural Disaster Imposter Scam Look Like?
Two common identities imposter scammers take on after a natural disaster are relief workers and insurance company employees. Each group may call victims over the phone or visit them on a door-to-door visit wearing branded clothing or fake badges.
During their call or visit, scammers will offer to help victims start the recovery phase, including offering home inspections, disaster grants, or low-interest loans. However, these scammers will often ask for a payment upfront to get started or ask for bank account information to “direct deposit” funds.
Instead of providing relief, these scammers will steal money and provide nothing in return. Furthermore, they may continue to contact victims claiming to need additional funds to work on their accounts and services. In all cases, that money is lost and can be very difficult to track once it’s handed over.
What to do if You Suspect a Scam?
FEMA and insurance companies will never ask for money upfront for disaster-related services. This includes inspections, property cleanup, grant applications, or insurance claims. In addition, FEMA employees will always carry official badges with their names and photos on them. If a disaster worker can’t provide identification, or offer an “alternative” ID, they are probably a scammer.
If you get an unexpected call, text message, or visitor claiming they need money or your bank account information to start working on your behalf, the best thing to is not engage with them. Instead, hang up or close the door, and call FEMA directly at 1-800-621-FEMA (3362). If they claim to be from your insurance company, don’t engage and call your insurance company immediately. Remember: FEMA or your insurance company doesn’t charge for disaster assistance and won’t contact you unless you’ve asked for a call back, applied for FEMA disaster assistance, or start an insurance claim.
Staying safe after a natural disaster requires smart decisions and staying aware of everything going on around you. As you navigate this difficult time, be vigilant for scams to protect yourself and your family from even further heartbreak.