Business owners and residents that have been affected by flooding and other damage from Hurricane Irene should be alert for fraudulent activity during the rebuilding process. Scam artist and crocks have been known to target disaster victim in the past. There is no doubt that they will be out trying to make a buck at your expense after Irene.
Here are some tips from Downey Insurance to avoid getting scammed.
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Watch out for Contractors that ask for large down payments for future work. Always get at least 3 estimates for work to be performed, and pay your down payment by check or credit card. Always ask for a signed contract with a clear cancelation notification policy.
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FEMA scams are on the rise. There is never a fee to apply for FEMA assistance. The only way to apply for FEMA it to call 1-800-621-3362 or to register on-line at DisasterAssistance.gov
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Fraudulent charitable groups have also been known to crop up around disasters like Irene. Never give money to someone you do not know who is “collecting money for victims.” You are much better off giving money to a recognized group or organization that is well known for disaster relief like the Red Cross.
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Identity Theft is something you should also watch out for. FEMA will ask for your Social Security Number when applying for assistance, but do not give it out to anyone else. FEMA will not call you asking you to verify this information.
Any suspected fraudulent activity should be reported to your local police department. Additionally suspected FEMA scams should be reported to FEMA directly. Anyone who claims to be representing FEMA or your Vermont Homeowners Insurance company should be carrying identification.