Tropical Storm Helene may have passed, but unfortunately, scammers often appear in its wake. Here in the Carolinas, The Floyd Law Firm wants to empower you to protect yourself and your property – now and in the future – with these helpful tips.
Beware of Shady Contractors:
Do your research: Check online reviews, verify licenses with the SC Department of Consumer Affairs (SCDCA) or the NC Board of Examiners of Licensing & Construction (NCLB), and seek references. Remember, FEMA does not endorse contractors – anyone claiming otherwise is not being truthful. FEMA does recommend that those affected by a disaster reach out to local contractors who are already known in the area.
Red Flags: High-pressure tactics, upfront payments, and door-to-door solicitations are all warning signs. Reputable contractors offer written estimates and don’t rush you.
Multiple Quotes: Get estimates from at least 3 contractors and ensure they detail the same repairs and materials.
Written Contracts: Every task, repair, start/finish date, and cost should be outlined in a signed contract. Never sign a blank contract.
Assignment of Benefits (AOB): Understand the implications before signing an AOB, which allows third parties to receive your insurance payouts directly.
Essential Information to Gather:
- Contractor’s ID (verifying business and name)
- Valid Business License
- Liability Insurance Proof (including company details and policy number)
- Workers’ Compensation Insurance Proof (verify coverage by contacting the insurance company)
Additional Carolinas-Specific Scams:
Charity Scams: Research charities through the SC Secretary of State Charity Search or NC Attorney General’s Office Charity Search before donating.
Utility Company Imposters: Always verify identification before sharing personal information. If you receive a suspicious call claiming to be from your utility company, hang up and call the customer service number listed on your actual bill. Don’t share your personal or banking details with unsolicited callers and be cautious of any unexpected visits from utility representatives as legitimate companies will schedule appointments. Ask for identification and always verify the identity of any utility employee before allowing them into your home.
Stay Safe Online: Do not click on suspicious links or respond to unsolicited emails or texts. Phishing scams are real and can steal your personal information.
Report Suspected Fraud:
SC: Report to South Carolina Department of Consumer Affairs or the National Insurance Crime Bureau (NICB)
NC: Report to North Carolina Department of Justice or the National Insurance Crime Bureau (NICB)
If you encounter a scam, you can report it to your local police or sheriff’s department. You can also report disaster fraud to the FEMA Disaster Fraud Hotline at (866) 720-5721 or by emailing StopFEMAFraud@fema.dhs.gov.
When FEMA Disaster Survivor Assistance (DSA) crews, housing inspectors, and other officials are working in areas that have been impacted by storms, floods, or fires – they carry official identification badges with photo identification as well. True FEMA employees will already have access to your FEMA application number. FEMA and U.S. Small Business Administration (SBA) representatives never charge applicants for disaster assistance, inspections or help in filling out applications and they are never authorized to collect your personal financial information.
By following these tips, you can protect yourself and ensure your recovery from tropical storms and hurricanes progresses safely and smoothly. Remember, The Floyd Law Firm is here to help with a multitude of legal concerns. Contact us today for a consultation.
