Florida Residents: Beware of Fraud, Scams and Price Gouging

TALLAHASSEE, Fla. – State and federal recovery officials encourage Florida residents to watch for and report any suspicious activity or potential fraud from scam artists, identity thieves and other criminals who may try to prey on survivors vulnerable due to the recent hurricanes. They should also be on the lookout for price gouging by gas stations, hotels and other businesses serving disaster survivors in Florida.

FEMA encourages survivors to be especially vigilant for these common post-disaster fraud practices:

  • Fraudulent building contractors

  • Use only licensed local contractors backed by reliable references.

  • Demand that contractors carry general liability insurance and workers’ compensation.

  • Don’t pay more than half the costs of repairs upfront.

     

  • Bogus pleas for post-disaster donations 

  • Verify legitimate solicitations by asking for the charity’s exact name, street address, phone number and Web address.

  • Phone the charity and confirm that the person asking for funds is a genuine employee or volunteer.

  • Don’t pay donations with cash.

  • Request a receipt with the charity’s name, street address, and phone number.

     

  • Fake offers of state or federal aid

  • Beware of visits, telephone calls or e-mails — claiming to be from FEMA or the State of Florida — asking for your Social Security number, bank account number or other sensitive information.

  • Avoid scam artists who promise a disaster grant and ask for large cash deposits or advance payments in full.

  • Federal and state workers never solicit or accept money or charge applicants for disaster assistance, inspections or help in filling out applications.

Those who question the validity of a contact or suspect fraud are encouraged to call the toll free FEMA Disaster Fraud Hotline at 866-720-5721 or the Florida Attorney General’s fraud and price gouging hotline at 866-966-7226. Complaints also may be made by contacting local law enforcement agencies.

For more information on Florida’s disaster recovery visit fema.gov/disaster/4280, twitter.com/FEMA, facebook.com/FEMA, and fema.gov/blog, floridadisaster.org or #FLRecovers. For imagery, video, graphics and releases, see fema.gov/Hurricane-Matthew.

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Florida Residents: Beware of Fraud, Scams and Price Gouging

Flood Survivors Urged to Avoid Fraud and Other Scams

BATON ROUGE, La. – Louisiana recovery continues with the energy and work of businesses, voluntary, faith-based, and community-based organizations along with government agencies and committed citizens.

Unfortunately, disasters also bring out criminals looking to prey on survivors who appear to be rich targets for their fraudulent services.

Being cautious is essential to preventing rip-offs.  Don’t offer personal financial information over the phone. Know who you are dealing with. Never be shy about asking for identification. Government workers will never ask for a fee or payment. They always wear an official government photo ID.

Homeowners and registered FEMA applicants should watch out for housing inspectors claiming to represent FEMA or the U.S. Small Business Administration. Inspectors already have each applicant’s nine-digit registration number and a FEMA inspector will not ask for this number. FEMA inspectors never require banking or other personal information. The job of FEMA housing inspectors is to verify damage. Inspectors do not hire or endorse specific contractors to fix homes or recommend repairs. They do not determine eligibility for assistance.

Watch out for middlemen who promise you will receive disaster grants or money, especially if they ask for an upfront payment.

Many survivors have been living in damaged homes or in hotels and motels or other emergency accommodation while their primary residences are being repaired and rebuilt.

Keep these consumer safety tips in mind when working with contractors:

  • Verify the license or registration number with the Louisiana State Licensing Board for Contractors at www.lacontractor.org or call 800-256-1392.

  • Get three written estimates for repair work. Then check credentials and contact your local Better Business Bureau or Chamber of Commerce to learn about any complaints against the contractor or business.

  • Before work begins, make sure you get a written contract detailing all the work to be performed, the costs, a projected completion date, and how to negotiate changes and settle disputes.

  • Louisiana, Attorney General Jeff Landryencourages you to use the following tips:

    • Take a picture of your contractor, his/her vehicle, and its license plate.
    • Take a picture of the contractor’s business card and his/her driver’s license.
    • Photograph or scan his/her contracting license and insurance.
    • Photograph or scan the contract made with him/her.
    • Photograph or scan all checks and money orders made as payments to the contractor.
    • Preserve all these photographs by emailing them to yourself and a trusted companion and/or by saving them in a cloud-based application.

  • If you suspect anyone – an inspector, disaster survivor, or someone posing as one of these – of fraudulent activities, call the FEMA toll-free Disaster Fraud Hotline at 866-720-5721 or your local law enforcement officials.

  • To report a scam or sign up for consumer alerts, call Louisiana Attorney General Jeff Landry’s Consumer Protection Hotline at 800-351-4889 or visit www.AGJeffLandry.com.

Charity scams take many forms, including emails containing links or attachments that direct users to phishing or malware-infected websites. Donation requests from fraudulent charitable organizations commonly appear after major natural disasters.

US-CERT encourages users to take the following measures to protect themselves:

Review the Federal Trade Commission warning at FTC alert and its information on Charity Scams.

  • Do not follow unsolicited web links or attachments in email messages.
  • Keep antivirus and other computer software up-to-date.
  • Check this Better Business Bureau (BBB) list for helping Louisiana flood victims before making any donations to this cause.
  • Verify the legitimacy of any email solicitation by contacting the organization directly through a trusted contact number. You can find trusted contact information for many charities on the BBB National Charity Report Index.

There is no fee to apply for FEMA disaster assistance or to receive it. The only ways to register for FEMA help are to:

  • Call 800-621-3362 (TTY: 800-462-7585)

  • Visit www.DisasterAssistance.gov or speak to a FEMA employee at a Discovery Recovery Center.

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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 us on Twitter at https://twitter.com/femaregion6 and the FEMA Blog at http://blog.fema.gov.

    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 U.S. Small Business Administration (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 Web site at www.sba.gov/disaster. Deaf and hard-of-hearing individuals may call (800)877-8339.

    Download the FEMA mobile app for disaster resources, weather alerts, and safety tips. The app provides a customizable checklist of emergency supplies, maps of open shelters and weather alerts from the National Weather Service for up to five locations across the Nation. The latest feature of the app allows you to send notifications to your device to remind you to take important steps to prepare your home and family for disasters. Go to Ready.gov for more details.

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Flood Survivors Urged to Avoid Fraud and Other Scams

Protect Yourself from Disaster-Related Fraud and Scams

AUSTIN, Texas – As storms and flooding wreak havoc across Texas, FEMA officials are warning of another danger: scam artists and unscrupulous contractors out to fleece communities and survivors struggling to recover from disaster.

Be aware of these most common post-disaster scams:

Housing inspectors: If home damage is visible from the street, an owner/applicant may be vulnerable to those who pose as housing inspectors and claim to represent FEMA or the U.S. Small Business Administration.

  • Ask for identification. Federal and state representatives carry photo ID. A FEMA or SBA shirt or jacket is not proof of affiliation with the government.

  • FEMA inspectors never ask for banking or other personal information. < >EMA housing inspectors verify damage but do not hire or endorse specific contractors to fix homes or recommend repairs. They do not determine eligibility for assistance.

  • Use licensed local contractors backed by reliable references; recovery experts recommend getting 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.

  • Avoid paying more than half the costs upfront. Doing so offers little incentive for the contractor to return to complete repairs.

Pleas for post-disaster donations: Con artists play on the sympathies of disaster survivors, knowing that people want to help others in need. Disaster aid solicitations may arrive by phone, email, letter or face-to-face visits. Verify charitable solicitations:

  • Ask for the charity’s exact name, street address, phone number and web address, then phone the charity to confirm that the person asking for funds is an employee or volunteer.

  • Don’t pay with cash. Pay with a check made out to the charity in case funds must be stopped later.

  • Request a receipt. Legitimate nonprofit agencies routinely provide receipts for tax purposes.

Offers of state or federal aid: Beware of anyone claiming to be from FEMA or the state and asking for a Social Security number, bank account number or other sensitive information. Scammers may solicit by phone or in person, promising to speed up the insurance, disaster assistance or building permit process. Others promise a disaster grant and ask for large cash deposits or advance payments. Here’s how to protect yourself:

  • 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 you have any doubts, do not give out information and file a report with the police.

If you suspect fraud, call the FEMA Disaster Fraud Hotline at 866-720-5721. If you are a victim of a home repair or price-gouging scam, call the Office of the Texas Attorney General at 800-252-8011. For information regarding disaster-related fraud and how to protect yourself, visit texasattorneygeneral.gov/cpd/disaster-scams.

For more information on the Texas recovery, visit the disaster webpage for the May storms at fema.gov/disaster/4272; or visit the Texas Division of Emergency Management website at txdps.state.tx.us/dem. Follow us on Twitter @femaregion6.

Download fema.gov/mobile-app to locate open shelters and disaster recovery centers, receive severe weather alerts, safety tips and much more.

# # #

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.

Download fema.gov/mobile-app to locate open shelters and disaster recovery centers, receive severe weather alerts, safety tips and much more.

Originally posted here:  

Protect Yourself from Disaster-Related Fraud and Scams

Be On Alert for Disaster-Related Fraud and Scams

AUSTIN, Texas – State and federal recovery officials encourage Texans to watch for and report any suspicious activity or potential fraud from scam artists, identity thieves and other criminals. Also, FEMA does not endorse any commercial businesses, products or services.

FEMA encourages survivors as well as local residents and businesses to be especially vigilant for these common post-disaster fraud practices:

Fraudulent building contractors. When hiring a contractor:

  • Use licensed local contractors backed by reliable references.
  • Demand that contractors carry general liability insurance and workers’ compensation.
  • Do not pay more than half the costs of repairs upfront.

Bogus pleas for post-disaster donations. Often, unscrupulous solicitors may play on the emotions of disaster survivors, residents and business owners. Be aware that disaster aid solicitations may arrive by phone, email, letter or face-to-face visits. To ensure a charity is legitimate:

  • Ask for the requestor’s name as well as the charity’s exact name, street address, phone number and website address – then call the charity directly to confirm the person asking for funds is an employee or volunteer.
  • Whether making a donation by cash or with a credit card, request a receipt including the charity’s name, street address and phone number.
  • With text messages, the five-to-six digit numbers known as a short code makes it difficult to tell who is on the receiving end. A legitimate charity will not ask for personal information or a credit card number by text.

Identity theft. Beware of visits, calls or e-mails from people claiming to be from FEMA, the state of Texas or a volunteer group. They will ask for an applicant’s Social Security number, bank account number or other sensitive information because their real goal is to steal personal identity and money.

  • Don’t fall for scam artists who promise a disaster grant and ask for large cash deposits or advance payments in full.
  • Federal and state workers do not solicit or accept money. FEMA and the U.S. Small Business Administration staff never charge applicants for disaster assistance, inspections or help in filling out applications.

Phony housing inspectors. Homeowners and registered FEMA applicants should watch out for housing inspectors claiming to represent FEMA or the SBA.

  • Inspectors already have each applicant’s nine-digit registration number and a FEMA inspector will not ask for this number.
  • FEMA inspectors NEVER require banking or other personal information.
  • The job of FEMA housing inspectors is to verify damage. Inspectors do not hire or endorse specific contractors to fix homes or recommend repairs. They do not determine eligibility for assistance.

Federal and state representatives carry photo identification. Ask to see it. If unsure, call FEMA to verify the employee at 800-621-3362 (FEMA) or TTY 800-462-7585.

If fraud is suspected, call the FEMA Disaster Fraud Hotline at 866-720-5721. If you are a victim, suspect a home repair scam, are contacted for unsolicited information, or believe a business is practicing price gouging, call the Office of the Texas Attorney General at 800-252-8011.

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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. 

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Be On Alert for Disaster-Related Fraud and Scams

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

Cleveland County Residents Cautioned to Protect Themselves from Post-Disaster Scam Artists

OKLAHOMA CITY – As Cleveland 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.

“Disasters often bring out the best and worst in people,” 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.”

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 the Noble 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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Cleveland County Residents Cautioned to Protect Themselves from Post-Disaster Scam Artists