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Residents of Newly Designated Oklahoma Counties Should Beware of Fraud

OKLAHOMA CITY – Oklahoma residents whose properties were damaged in the recent storms and flooding are warned to be alert for, and urged to report, any potential fraud during recovery and rebuilding efforts, according to the Oklahoma Department of Emergency Management and the Federal Emergency Management Agency.

The aftermath of a disaster can attract opportunists and confidence artists. Homeowners, renters and businesses can follow some simple steps to avoid being swindled.

Be suspicious if a contractor:

Demands cash or full payment up front for repair work;
Has no physical address or identification;
Urges you to borrow to pay for repairs, then steers you to a specific lender or tries to act as an intermediary between you and a lender;
Asks you to sign something you have not had time to review; or
Wants your personal financial information to start the repair or lending process.

To avoid fraud:

Question strangers offering to do repair work and demand to see identification;
Do your own research before borrowing money for repairs. Compare quotes, repayment schedules and rates. If they differ significantly, ask why;
Never give any personal financial information to an unfamiliar person; and
Never sign any document without first reading it fully. Ask for an explanation of any terms or conditions you do not understand.

Disasters also attract people who claim to represent charities but do not. The Federal Trade Commission warns people to be careful and follow some simple rules:

Donate to charities you know and trust. Be alert for charities that seem to have sprung up overnight.
If you’re solicited for a donation, ask if the caller is a paid fundraiser, whom they work for, and the percentage of your donation that will go to the charity and to the fundraiser. If you don’t get a clear answer — or if you don’t like the answer you get — consider donating to a different organization.
Do not give out personal or financial information – including your credit card or bank account number – unless you know the charity is reputable.
Never send cash: you can’t be sure the organization will receive your donation.
Check out a charity before you donate. Contact the Better Business Bureau’s Wise Giving Alliance at www.give.org.

If you believe you are the victim of a contracting scam, price-gouging or bogus charity solicitations, contact local law enforcement and report it to the Oklahoma Office of the Attorney General. Find a complaint form online at www.ok.gov/oag. The Federal Trade Commission takes complaints at www.ftc.gov/complaint.

Many legitimate persons — insurance agents, FEMA Disaster Survivor Assistance personnel, local inspectors and actual contractors — may have to visit your storm-damaged property. Survivors could, however, encounter people posing as inspectors, government officials or contractors in a bid to obtain personal information or collect payment for repair work. Your best strategy to protect yourself against fraud is to ask to see identification in all cases and to safeguard your personal financial information. Please keep in mind that local, state and federal employees do not solicit or accept money for their services to the citizens.

All FEMA employees and contractors will have a laminated photo ID. A FEMA shirt or jacket alone is not proof of identity. FEMA generally will request an applicant’s Social Security or bank account numbers only during the initial registration process. However, FEMA inspectors might require verification of identity. FEMA and U.S. Small Business Administration staff never charge applicants for disaster assistance, inspections or help filling out applications. FEMA inspectors verify damages but do not recommend or hire specific contractors to fix homes.

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Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against, call FEMA toll-free at 800-621-FEMA (3362). For TTY call 800-462-7585.

The Oklahoma Department of Emergency Management (OEM) prepares for, responds to, recovers from and mitigates against emergencies and disasters. The department delivers service to Oklahoma cities, towns and counties through a network of more than 350 local emergency managers.

The SBA is the federal government’s primary source of money for the long-term rebuilding of disaster-damaged private property. SBA helps businesses of all sizes, private non-profit organizations, homeowners, and renters fund repairs or rebuilding efforts and cover the cost of replacing lost or disaster-damaged personal property. These disaster loans cover losses not fully compensated by insurance or other recoveries and do not duplicate benefits of other agencies or organizations. For more information, applicants may contact SBA’s Disaster Assistance Customer Service Center by calling (800) 659-2955, emailing disastercustomerservice@sba.gov, or visiting SBA’s website at www.sba.gov/disaster

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Residents of Newly Designated Oklahoma Counties Should Beware of Fraud

Free Legal Services Hotline Available to Texas Storm Survivors

AUSTIN, Texas – Texans who have legal issues as a direct result of the May 4 through June 19 severe storms, tornadoes, straight-line winds, and flooding may receive free legal information from the Texas State Bar Volunteer Lawyers Program Hotline.

Creation of a legal information helpline is part of a long-standing agreement between the Federal Emergency Management Agency (FEMA) and the American Bar Association (ABA) through the Disaster Legal Services program (DLS).

Survivors who have legal questions can call 800-504-7030 for answers in English and Spanish. Callers can leave a message at any time. To assist survivors with basic legal questions, workers will connect callers with local legal service providers.

Designed for low-income individuals and families, the ABA/DLS program offers the services of attorneys who can advise on legal issues, including:

Assistance with insurance claims (life, medical and property).
Counseling on landlord/tenant problems.
Assistance with home repair contracts.
Assistance with consumer protection-foreclosure problems.
Replacement of wills and other important legal documents destroyed in the disaster.
Drafting powers of attorney.
Preparation of guardianships and conservatorships.
Referring individuals to local and state agencies that may be of further assistance.

Survivors should be aware that there are some limitations on disaster legal services. For example, assistance is not available for cases that will produce a fee (i.e., those cases where attorneys are paid part of settlement by the court). Such cases are referred to a local lawyer referral service.

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Disaster recovery assistance is available without regard to race, color, religion, nationality, sex, age, disability, English proficiency or economic status. If you or someone you know has been discriminated against call FEMA toll-free at 800-621-FEMA (3362). For TTY, call 800-462-7585.

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Free Legal Services Hotline Available to Texas Storm Survivors

Michigan Residents Warned of Fake Building Contractors

WARREN, Mich. – With more than $69.3 million in disaster recovery assistance approved for Michigan homeowners and renters, fake building contractors are angling to get their hands on some of it, state and federal officials warned.

Scam artists and other criminals often prey on survivors who have received money to repair their storm-damaged homes. Authorities in Michigan have already received isolated reports of people doing just that.

“In times of crisis, Michiganders pull together and help each other when it’s needed most,” said Michigan State Police Capt. Chris A. Kelenske, State Coordinating Officer and Deputy State Director of Emergency Management and Homeland Security. “Unfortunately, there are some people who will try to take advantage of disaster survivors. We strongly recommend that individuals take a few simple steps to make sure they’re dealing with an honest person.”

Homeowners and renters may be anxious to repair their homes as quickly as possible, but the Federal Emergency Management Agency (FEMA) urges them to first check the credentials of anyone offering to do repairs.

The Michigan Department of Licensing and Regulatory Affairs (LARA) offers valuable resources to help determine whether a contractor is a legitimate professional:

For residential builders and maintenance and alteration contractors, an online license search is available at www.michigan.gov/licenselookup or by calling the LARA’s Corporations, Securities and Commercial Licensing Bureau at (517) 373-8376.
Electricians, plumbers and mechanical contractors are licensed by LARA’s Bureau of Construction Codes and must have a license that corresponds to the work to be done. Mechanical contractors must also have the proper license classification. To verify license information, go to www.michigan.gov/bcclicense or call (517) 241-9313.

“In every disaster, there are always a few individuals who want to profit from the recovery effort,” said FEMA Federal Coordinating Officer Dolph A. Diemont. “Asking just a few questions can save people from a lot of heartache.”

It is important to note that FEMA housing inspectors verify damage, but do not hire or endorse contractors to repair homes. FEMA housing inspectors do not determine eligibility for assistance.

When hiring a contractor:

Ask the individual to show you his or her “pocket card,” which will contain the license number.
Use licensed local contractors backed by reliable references.
Get a written estimate from at least three contractors, including the cost of labor and materials, and read the fine print.
Select only contractors that carry general liability insurance and workers’ compensation. If the contractor is not insured, the homeowner may be liable for accidents that occur on the property.

The most common post-disaster fraud practices involve not only fraudulent building contractors, but phony housing inspectors, bogus pleas for disaster donations and fake offers of state or federal aid.

Those who suspect fraud may call the FEMA Disaster Fraud Hotline at 866-720-5721.

Complaints may also be made to local law enforcement or through the Michigan Attorney General’s office at 877-765-8388 or online at www.michigan.gov/ag.

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FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards. Follow FEMA online at twitter.com/femaregion5, www.facebook.com/fema, and www.youtube.com/fema. Also, follow Administrator Craig Fugate’s activities at twitter.com/craigatfema. The social media links provided are for reference only. FEMA does not endorse any non-government websites, companies or applications.

English: http://www.fema.gov/disaster/4195

Spanish: http://www.fema.gov/es/disaster/4195

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Michigan Residents Warned of Fake Building Contractors

Legal Services Available For Alabamians Affected By Recent Disaster

MONTGOMERY, Ala. – Alabamians who have legal issues that are a direct result of the April 28 through May 5 severe storms, tornadoes, straight-line winds and flooding may receive free help from the Volunteer Lawyers Program of the Alabama State Bar Association.

Residents must reside in the designated counties of Baldwin, Blount, DeKalb, Etowah, Jefferson, Lee, Limestone, Mobile and Tuscaloosa.

Assistance with insurance claims (life, medical and property).
Counseling on landlord/tenant problems.
Assistance with home repair contracts.
Assistance with consumer protection-foreclosure problems.
Replacement of wills and other important legal documents destroyed in the disaster.
Drafting of powers of attorney.
Preparation of guardianships and conservatorships.
Referring individuals to local and state agencies that may be of further assistance.

Survivors should be aware that there are some limitations on disaster legal services. For example, assistance is not available for cases that will produce a fee (i.e., those cases where attorneys are paid part of the settlement by the court). Such cases are referred to a local lawyer referral service.

The Disaster Legal Services hotline phone number is 888-857-8571. The service is available from 8:30 a.m. to 11:30 a.m. and from 1:30 p.m. to 3:30 p.m., Monday through Friday. In the Huntsville area of Limestone County, call 256-539-2275. Those in Mobile and Baldwin counties can call 855-997-2857.

The helpline is part of a long-standing agreement between FEMA and the ABA.

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Legal Services Available For Alabamians Affected By Recent Disaster

Website Helps Arkansans Protect Lives and Property When Severe Weather Strikes

LITTLE ROCK, Ark. – The Arkansas Department of Emergency Management (ADEM) and the Federal Emergency Management Agency (FEMA) have joined together to bring Arkansans a “one stop” spot on the Internet for information on protecting lives and property from tornadoes and floods.

The web address is www.fema.gov/ar-disaster-mitigation. There, folks will find links to topics such as safe rooms, rebuilding and repairing structures to make them more storm-resistant, different types of roofs, and dealing with mold. The site also has links to the ADEM Safe Room Rebate Program, the Arkansas Attorney General’s office, Home Builders of Arkansas and more.

“This site has information for anyone interested in building back safer and stronger, or who plans new construction and wants to incorporate safe building practices from the start,” said State Coordinating Officer David Maxwell of ADEM. “Whether it’s building a safe room or reducing the risk of high winds penetrating your home through a leaky garage door, this website has expert information for Arkansans.”

“FEMA engineers have long studied how to reduce risks from tornadoes, floods and other severe weather,” said FEMA’s Federal Coordinating Officer (FCO) Timothy J. Scranton. “They’ve found a number of steps people can take, and many of them don’t cost much. I urge Arkansans to visit this website to gain insight into protecting themselves from the next round of dangerous weather.”

The Arkansas Department of Emergency Management (ADEM) is the state’s homeland security and preparedness agency. The agency works to identify and lessen the effects of emergencies, disasters and threats to Arkansas by developing effective prevention, preparedness, mitigation, response and recovery actions for all disasters and emergencies. For additional information, contact ADEM at (501) 683-6700 or visit the website at www.adem.arkansas.gov.

FEMA’s mission is to support our citizens and first responders to ensure that as a nation we work together to build, sustain, and improve our capability to prepare for, protect against, respond to, recover from, and mitigate all hazards. Follow us on Twitter at http://twitter.com/femaregion6, the R6 Hurricane Preparedness website at www.fema.gov/about/regions/regionvi/updates.shtm and the FEMA Blog at http://blog.fema.gov.

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Website Helps Arkansans Protect Lives and Property When Severe Weather Strikes

FEMA Specialists Reach Out to Survivors in Florida Panhandle Communities

TALLAHASSEE, Fla. – Specialists with the Federal Emergency Management Agency are reaching out to survivors in Florida’s hardest hit Panhandle communities to help individuals register for assistance. Survivors may meet a specialist in their neighborhood or speak to one on the phone.

Crews of FEMA disaster survivor assistance specialists are canvassing affected areas to provide on-site registration assistance, address immediate and emerging needs, and answer any questions specific to the registration process. Specialists can also provide referrals to additional resources.

FEMA crews are visiting homes, businesses, local organizations and churches in Escambia and Santa Rosa counties.

Using tablets, crew members can help a survivor fill out an application for assistance on the spot – collecting information in person. Crew members can be identified easily by their photo badges and FEMA clothing. Florida residents are reminded to ask for federal identification before providing personal information.

Survivors in designated counties may also receive a phone call from FEMA Individual Assistance specialists if they have already registered for disaster assistance.

If called, applicants could be asked to verify their identity with some of the following information:

The last four digits of their Social Security number.
The address of their damaged home.
The applicant’s current mailing address.
The applicant’s current phone number.

If applicants receive a phone call from FEMA representatives and question the validity of the caller, they can contact the FEMA Helpline at 800-621-3362 to verify the source of the call. The FEMA representative will then make another attempt to call the applicant back. FEMA will not call applicants to request any banking information.

Those who suspect anyone of committing fraudulent activities should call the FEMA Disaster Fraud Hotline toll-free at 866-720-5721. Complaints may also be made to Florida’s Office of the Attorney General at the state toll-free number: 866-966-7226.

Survivors in the counties currently designated for Individual Assistance can register online at DisasterAssistance.gov or via smartphone at m.fema.gov. Applicants may also call 800-621-3362 or (TTY) 800-462-7585. The toll-free telephone numbers operate from 7 a.m. to 10 p.m. local time, seven days a week. Multilingual operators are available.

For more information on Florida disaster recovery, click fema.gov/disaster/4177. Visit the Florida Division of Emergency Management website at FloridaDisaster.org or Facebook page at facebook.com/FloridaSERT.

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FEMA Specialists Reach Out to Survivors in Florida Panhandle Communities

Arkansans: Things to Know About Debris Removal

Little Rock, Ark. – For many Arkansans in Faulkner County affected by the April 27 tornadoes, cleanup is well underway. That means residents may have questions regarding the types of debris that can be left at the curb for collection and how to handle debris when a homeowner hires a contractor.

DEBRIS PLACED ON RIGHT OF WAY

Tornado-related debris is eligible for pickup and disposal by the county or municipality if residents place the following types of debris on the public right-of-way in front of their property for pick-up. When placing debris at the roadside, residents should be careful not to cover or impede access to utility meters or mailboxes.

Residents opting for curbside pick-up must separate debris into six (6) categories:

Vegetative debris (tree limbs, shrubs, etc.)
Construction/Demolition debris
White goods (appliances, etc.)
E-goods (TV’s, electronics)
Household hazardous (cleaning solutions, automotive chemicals, etc.)
Normal household garbage

DEBRIS HANDLED BY CONTRACTORS

Some homeowner’s insurance policies may cover debris removal. Residents are reminded that if they choose to hire their own contractor, they should not place that debris on the right-of-way. The cost of debris disposal is typically included in the contractor’s estimates. Homeowners should review their insurance policies to determine if their policy covers debris removal.

Under no circumstances will reconstruction debris or demolition debris created by the property owner or the private contractor be pushed to the curb. The property owner, insurance company or contractor is responsible for removing and transporting all demolition and/or reconstruction debris to an approved designated landfill.

Reconstruction debris includes any construction material that must be removed from the damaged structure (shingles, portions of roofs, etc.) to bring it back to pre-disaster function.
Demolition debris includes construction material created by the physical deconstruction of the remaining portions of a disaster-damaged structure (walls, roof, flooring, slabs, outbuildings, etc.) in preparation for the construction of a new building.

OTHER THINGS TO BE AWARE OF WHEN HIRING CONTRACTORS

Watch out for:
- Phone or door-to-door solicitors who promise to speed up the insurance, disaster assistance or building-permit process.
- People who ask for large cash deposits or advance payments in full.
- Promises of large amounts of money for disaster victims.
-  FEMA/State disaster assistance funds are sent to applicants by electronic funds transfer (EFT) or through the U.S. mail ONLY!
- People going door-to-door to damaged homes or phoning survivors and claiming to be building contractors or soliciting personal information such as Social Security or bank account numbers; they could be frauds.

Those who suspect anyone of engaging in fraudulent activities should call the FEMA Disaster Fraud Hotline at 1-866-720-5721. Complaints may also be made to local law enforcement agencies and through the Arkansas Attorney General Consumer Protection Hotline at 1-800-482-8982.

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Arkansans: Things to Know About Debris Removal

Storm Survivors: Be Aware and Beware of Fraud

PEARL, MISS., – Mississippians rebuilding from the recent storms and tornadoes should be aware that disasters often bring out phony contractors and rip-off artists who try to take advantage of storm survivors in the aftermath of the disaster.

The Mississippi Emergency Management Agency and the Federal Emergency Management Agency suggest ways people can protect themselves.

Before allowing anyone to do work on your home, get a written contract. The contract should detail the work to be done, the agreed-upon costs, a project schedule and a completion date. This is one of the best ways homeowners can protect themselves from contractor fraud.

The contract should also detail procedures to cancel the contract, negotiate changes and settle disputes. All guarantees should be in writing.

Before signing a home repair contract, homeowners should:

Get three written estimates.
Check each contractor’s credentials and references.
Check with the Mississippi Board of Contractors at www.msboc.us to make sure the contractor is licensed.
Make sure the contractor carries liability insurance and worker’s compensation coverage.
Check the website of the contractor, if there is one. If the site is unfinished or unprofessional in appearance, it may be that it was quickly constructed to give the impression of being in business, when in fact, the contractor is not. A website does not verify the existence of a business.
Confirm instructions for project clean up and construction debris removal.

Don’t pay any more than 10 percent or $1,000 down on proposed work and don’t pay with cash.

Scam artists also look for other ways to part people from their money using a storm survivor’s information. Don’t give out personal information such as your Social Security number or FEMA registration number. Credit card numbers should not be given out unless the contractor’s legal status has been verified.

If you are a victim of contractor fraud, notify the Mississippi State Board of Contractors in writing by completing the complaint form found online at www.msboc.us. The Mississippi Attorney General’s Office of Consumer Protection can investigate allegations of fraud or illegal practices by a Mississippi business. Contact them at 800-281-4418.

FEMA’s temporary housing assistance and grants for public transportation expenses, medical and dental expenses, and funeral and burial expenses do not require individuals to apply for an SBA loan. However, applicants who receive SBA loan applications must submit them to SBA loan officers to be eligible for assistance that covers personal property, vehicle repair or replacement, and moving and storage expenses.

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Storm Survivors: Be Aware and Beware of Fraud

New Yorkers Warned to Watch Out for Post-Disaster Scam Artists

NEW YORK – As many New Yorkers work to recover from Hurricane Sandy, Federal Emergency Management Agency (FEMA) officials are warning of another danger: Phony building contractors and other scam artists often appear in communities struggling to recover from a disaster.

“In times of crisis, New Yorkers pull together,” said Federal Coordinating Officer Michael F. Byrne. “However, some people will try to take advantage of vulnerable survivors. We strongly recommend that folks take a few simple steps to make sure they’re dealing with an honest person.”

Here are a few of the most common post-disaster fraud practices:

Phony housing inspectors: If home damage is visible from the street, an owner/applicant may be especially vulnerable to the phony housing inspector who claims to represent FEMA or the U.S. Small Business Administration (SBA). An applicant should ALWAYS:

Ask to see the inspector’s identification badge if he or she does not offer to show it. A FEMA or SBA shirt or jacket is not proof of someone’s affiliation with the government. All federal employees and contractors carry official, laminated photo identification.
Do not give bank account numbers to an inspector claiming to be affiliated with the federal government. FEMA inspectors never require banking information.

It is important to note that FEMA housing inspectors verify damage, but do not hire or endorse specific contractors to fix homes or recommend repairs. They do not determine your eligibility for assistance.

Fraudulent building contractors: Damage visible from the street also can bring out fraudulent contractors who visit an applicant’s home offering to begin work immediately. When hiring a contractor:

Use licensed local contractors backed by reliable references, get a written estimate from at least three contractors, including the cost of labor and materials, and read the fine print.
Demand that contractors carry general liability insurance and workers’ compensation. If he or she is not insured, you may be liable for accidents that occur on your property.

Bogus pleas for post-disaster donations: Unscrupulous solicitors may play on the sympathy for disaster survivors. They know that many people want to help others in need. Disaster aid solicitations may arrive by phone, email, letter or face-to-face visits. Verify legitimate solicitation:

Ask for the charity’s exact name, street address, phone number, and web address, then phone the charity directly and confirm that the person asking for funds is an employee or volunteer.
Don’t pay with cash — instead, pay by check made out to the charity in case funds must be stopped later.•Request a receipt with the charity’s name, street address, phone number and web address (if applicable). Legitimate nonprofit agencies routinely provide receipts for tax purposes.

Fake offers of state or federal aid: Beware if anyone claiming to be from FEMA or the state visits, calls or emails asking for an applicant’s Social Security number, bank account number or other sensitive information. Beware — that information may be sold to identity thieves or used to defraud. A twist on this scam is the phone or in-person solicitor who promises to speed up the insurance, disaster assistance or building-permit process. Then there are scam artists who promise a disaster grant and ask for large cash deposits or advance payments in full. Here’s what to do:

Know that federal and state workers do not solicit or accept money. FEMA and SBA staff never charge applicants for disaster assistance, inspections or help in filling out applications. If in doubt, do not give out information, and report people claiming to be government workers to local police.
Provide your Social Security number and banking information only when registering for FEMA assistance, either by calling 1-800-621-FEMA (3362), TTY 1-800-462-7585, or going online at www.disasterassistance.gov or via a web-enabled phone at m.fema.gov. If you use 711-Relay or Video Relay Services, call 1-800-621-3362.

If you suspect someone is perpetrating fraud, call the FEMA Disaster Fraud Hotline at 1-866-720-5721. Complaints may also be made to local law enforcement agencies and to the New York State Attorney General’s office in New York at 212-416-8300 or go to their web site at: www.ag.ny.gov.
Disaster survivors who have any questions can call FEMA’s toll-free helpline at 1-800-621-3362.
For more information on New York’s disaster recovery, click www.fema.gov/disaster/40805.

More information about common of forms fraud watch our video: FEMA Media Library: Avoiding Frauds And Scams. You can follow FEMA on Facebook at www.facebook.com/FEMA . Also visit our blog at www.fema.gov/blog.

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New Yorkers Warned to Watch Out for Post-Disaster Scam Artists

Creek County Residents Cautioned to Watch Out for Post-Disaster Scam Artists

OKLAHOMA CITY – As Creek County residents work to rebuild following the devastating Aug. 3-14 wildfire, the Oklahoma Department of Emergency Management (OEM) and Federal Emergency Management Agency (FEMA) officials are cautioning them about phony, unscrupulous building contractors and other scam artists that often take advantage of people following a disaster.

“In the wake of a disaster, it’s common to see the generous side of human nature. Unfortunately, there are also those people who may try to take advantage of victims during this stressful time,” said OEM Deputy Director and State Coordinating Officer Michelann Ooten.

“In times of crisis, most Oklahomans and others from around the country will pull together for one another. There are those who will try to take advantage of people at their most vulnerable time,” said FEMA’s Federal Coordinating Officer William J. Doran III. “We strongly recommend that those who are rebuilding their homes and lives take a few simple steps to make sure they’re dealing with a reputable person.”

Although no reports of unscrupulous practices or fraud have been reported in Creek County to date, the first and best defense is to know the most common post-disaster fraud practices:

Phony housing inspectors: If a home’s damage is visible from the street, the homeowner may be especially vulnerable to the phony housing inspector who claims to represent FEMA or the U.S. Small Business Administration (SBA).
What to do to help protect yourself?

Ask to see the inspector’s identification badge. All federal employees and contractors carry official, laminated photo identification. A FEMA or SBA shirt or jacket is not proof of someone’s affiliation with the government.
Don’t give bank account numbers to an inspector claiming to be affiliated with the federal government. FEMA inspectors never require banking information.
Don’t believe anyone that says they are endorsed by FEMA. FEMA does not endorse specific contractors to fix homes or recommend repairs. FEMA contracts with inspectors to verify losses.

Fraudulent building contractors: Damage visible from the street also can bring out scam contractors who visit your home offering to begin work immediately, usually for an upfront payment. Most legitimate contractors will have more work than they can handle after a disaster and will provide you a written estimate for completion.
When you hire a contractor:

Use licensed local contractors backed by reliable references when possible. Get a written estimate from at least three contractors, including the cost of labor and materials, and read the fine print.
Demand that contractors carry general liability insurance and workers’ compensation. If they don’t, you may be liable for accidents that occur on your property.
Note that the state of Oklahoma doesn’t license residential construction contractors, except in the electrical, mechanical and plumbing trades. But there are some special requirements for non-resident contractors.
To find out if an electrician, plumber or mechanical contractor is licensed in Oklahoma, call the Oklahoma Construction Industries Board at 1-405-521-6550 or toll-free at 1-877-484-4424 or check online at http://cibverify.ok.gov.

Bogus pleas for post-disaster donations: Understand that disaster aid solicitations may arrive by phone, email, letter or face-to-face visits. You can ensure the solicitation is legitimate if you:

Ask for the charity’s exact name, street address, phone number, and web address, then phone the charity directly and confirm that the person asking for funds is an employee or volunteer.
Think before you give cash — instead, pay by check made out to the charity in case you must stop funds later.
Request a receipt with the charity’s name, street address, phone number and web address (if applicable). Legitimate nonprofit agencies routinely provide receipts for tax purposes.

Fake offers of state or federal aid:

If someone claiming to be from FEMA or the state visits, calls or emails asking for your Social Security number, bank account number or other sensitive information, be cautious. Don’t provide any personal information unless you made the initial call.
Do not trust any phone or in-person solicitor who promises to speed up the insurance, disaster assistance or building-permit process.
Some scam artists may promise to provide a disaster grant in return for large cash deposits or advance payments in full. Never agree to pay any amount of money for a disaster grant.

It is important to know that federal and state workers do not solicit or accept money. FEMA and SBA never charge applicants for disaster assistance, inspections or help in filling out applications. If ever in doubt, do not give out personal information and report people claiming to be government workers to local police.

Provide your Social Security number and banking information only when registering for FEMA assistance; online at www.disasterassistance.gov; via a web-enabled phone at m.fema.gov; by calling 1-800-621-FEMA (3362) or TTY 1-800-462-7585; using 711-Relay or Video Relay
Services call 1-800-621-3362. FEMA phone lines are open from 7 a.m. to 10 p.m. CT seven days a week; multilingual operators are available.

Register with the SBA online at its secure site: https://disasterloan.sba.gov/ela; call 1-800-659-2955 or TTY 1-800-877-8339; or visit a Disaster Recovery Center. For more information on SBA disaster assistance, go to www.sba.gov.

If you suspect someone is perpetrating fraud, call the FEMA Disaster Fraud Hotline at
1-866-720-5721. Complaints may also be made to local law enforcement agencies and to the Oklahoma Office of the Attorney General at 1-918-581-2885 or online at www.oag.state.ok.us.

Disaster survivors who have any questions can call FEMA’s toll-free helpline at 1-800-621-3362.

For more information on Oklahoma disaster recovery, click on www.fema.gov/disaster/4078 or www.oem.ok.gov.

Follow OEM on Twitter and Facebook at twitter.com/okem and www.facebook.com/oklahomadepartmentofemergencymanagement.

FEMA tweets about the Oklahoma disaster are at twitter.com/femaregion6.
Additional FEMA online resources include blog.fema.gov, www.facebook.com/fema and www.youtube.com/fema.

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Creek County Residents Cautioned to Watch Out for Post-Disaster Scam Artists

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