Severe Weather Awareness Week: What to do if your home is damaged and recognizing a scammer
Severe Weather Awareness Week is in full swing, and homeowners should know what to do if their property is damaged.
The Better Business Bureau (BBB) says natural disasters like storms, tornadoes, hurricanes, and flooding often bring out the best in people. However, the aftermath of the crisis often brings out people looking to take advantage of victims.
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News Center 7′s Consumer Investigative reporter Xavier Hershovitz looked into what homeowners need to do after severe weather strikes that caused damage to a home and how to be on the lookout for scammers.
Scammers like to use clean-up efforts after a storm to take advantage of those who need help and those looking to lend a hand so they can make their portion of the available cash.
It is already bad enough that a home has been damaged in a storm, but scammers use the frustration fog of homeowners to pounce at the chance to scam someone out of money.
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“We have the storm chasers come into the area and try and sell you a bill of goods,” President and CEO of the Better Business Bureau, John North, said.
One of the biggest red flags, homeowners should be aware of those who come knocking on the door.
“The legitimate businesses are going to be so busy that they’re not going to have time to get to you,” North said.
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After a significant weather event, it will likely take a bit longer for a repair company to get to a homeowner; it is worth waiting to be patient in the long run.
“If you’re not patient, you’re gonna likely jump at something that’s not legit, and you’re gonna cost yourself a whole lot more money and a much bigger headache,” North said.
Scammers also take aim at those who want to help. Charity scams increase in popularity after severe weather events. These charities use fake names that there are close to the real thing.
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“Just making one up - United States Red Cross. We know as the American Red Cross,” North said.
Charity scammers are often much pushier than your typical charity.
“A good charitable organization is going to take your money now or into the future. They’re not going to tell you that you have to react immediately to be able to help solve this problem,’ North said
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If a person questions if a contractor or a charity is legitimate, the Better Business Bureau website is the best resource. Their website allows people to search for information on contractors and charities and their ratings.
BBB offers some things victims should do after severe weather strikes.
Contact your insurance company
Inquire about policy coverage and specific filing requirements
Keep all receipts for expenses that may be covered under your policy
Check if they have recommended contractors
Do your research
Look for trustworthy businesses
Check your state or provincial government agency for registered and licensed contractors
Get references from friends and relatives
Resist high-pressure sales
Avoid making hasty decisions or choosing unknown contractors
Be proactive in selecting a contractor
Be careful of door-to-door contractors
Ask for identification and check for the business name, phone number, and license plates
Many municipalities require a solicitation permit
Don’t sign over insurance checks to contractors
Get an invoice from the contractor and pay directly, preferably with a credit card
Don’t sign any documents giving the contractor rights to your insurance claims
Contact your insurance company or agent if you have questions
Be cautious of places you can’t see
Some unethical contractors may create damage to get work
Be careful allowing someone you do not know to inspect areas you cannot access or see for yourself.
