How to Stay Safe from Scams After Storms

Natural disasters often bring communities together, showcasing resilience and support. However, these challenging times can also attract scammers looking to exploit those in need. It’s important to stay aware and informed about potential fraud schemes that may arise in the aftermath of a disaster, such as a hurricane.

Understanding the Risks

Be aware that government officials working with disaster recovery agencies will never call or text you asking for your financial information. No fees are required to apply for disaster assistance. If you receive a call from someone claiming to be a federal official requesting money, it’s likely a scam.

What to Do if You Suspect Fraud

If someone claims to be a government official asking for money, hang up immediately. Instead, contact the agency directly using the number found on their official website—do not return the call to the number that contacted you. Never disclose personal information unless you have confirmed the identity of the caller. Remember, government employees are prohibited from requesting or accepting money.

Steps to Avoid Post-Disaster Insurance Scams

If you receive a call regarding an insurance claim or policy, refrain from sharing any personal information until you can verify the legitimacy of the call. If the caller claims to be from your insurance company, hang up and reach out to your agent or the company directly using the contact information provided on your account statement.

Contractors and home improvement companies may also reach out, claiming to be affiliated with your insurance provider. Never share policy numbers, coverage details, or any personal information with companies that you haven’t contracted. Always ensure that any contractor you consider hiring is properly licensed and insured. Always request proof.

Common Scams to Watch Out For

1. ‍Fake Charities and Donation Scams
    Scammers often impersonate established charities or create fake ones to solicit donations. Be cautious of unsolicited requests for donations via email, phone, or social media. Always verify the charity's legitimacy by checking their official website or consulting platforms like Charity Navigator.
2. Imposter Government Agencies
    Fraudsters may pose as representatives from government agencies offering assistance or claiming you owe money. Legitimate agencies will never ask for sensitive personal information or request payments through phone or email. Always verify the source of any communication.
3. Fraudulent  Home Repair Contractors
   In the aftermath of a disaster, scammers may offer quick repairs for an upfront deposit and then disappear. Research contractors thoroughly, ensuring they are licensed and insured. Avoid paying large sums upfront for work that hasn't started.‍
4. Phishing Emails and Texts
   Expect an increase in phishing attempts posing as local authorities, insurance companies, or relief organizations. These messages may contain malicious links or attachments designed to steal your personal or financial information. Be cautious about opening attachments or clicking on links from unknown sources.
5. Price Gouging and Fake Supply Offers
   During crises, some scammers may offer hard-to-find supplies at inflated prices or create fake online listings. Stick to trusted retailers or local suppliers, and report any instances of price gouging to the appropriate authorities.

How to Protect Yourself

• Stay Skeptical: Be cautious of unsolicited requests for personal information or payments.
• Verify Communications:  Always confirm the legitimacy of communications from agencies, charities, or businesses before responding.
• Avoid Clicking Links:  Do not open attachments or click on links in suspicious emails.
• Report Fraud: If you  suspect fraud, report it to local authorities or, if appropriate, to us at  City National Bank of Florida. Report fraud.

To learn more about avoiding scams and identifying fraudulent activity, click here.

During challenging times, it’s essential to stay alert and take proactive steps to protect yourself and your loved ones from opportunistic scammers. By remaining informed and cautious, you can help ensure that your recovery efforts are not undermined by fraud. If you would like to know more about popular scams, please visit our Fraud and Security Center.

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For additional resources, the FCC Consumer Help Center offers valuable tips on avoiding scams, including information on caller ID spoofing and robocalls. Visit the FCC Consumer Help Center.

Sources:

• FTC, 2024
• Consumer Financial Protection  Bureau

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‍The content in this article should not be taken as advice coming from City National Bank of Florida. City National Bank of Florida does not offer tax, legal or accounting advice.

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