From tornadoes and floods to wildfires and hurricanes, natural disasters often bring out the best in people. Neighbors and strangers come together to lend a hand and offer financial support to those in need.
Unfortunately, these same crises also attract criminals who see others’ misfortune as a chance to make a quick buck, with many posing as government officials, utility workers or insurance representatives.
HOW IT WORKS
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Someone claiming to be from the federal, state or local government may call or visit, offering help with grants, building permits or speeding up insurance claims — for an up-front fee.
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A utility worker might offer priority reconnection to the power grid — for an up-front fee.
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A public insurance adjuster may offer assessments and contractor referrals — for an up-front fee.
WHAT YOU SHOULD KNOW
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In disaster situations, criminals exploit stress and urgency, using fake credentials to steal money.
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Perpetrators often target older homeowners, assuming they may be more trusting, more likely to have assets or may be experiencing cognitive decline.
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Nobody from a government entity or a utility company will charge fees to help you in the aftermath of a disaster.
WHAT YOU SHOULD DO
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Always ask for and verify photo ID from anyone claiming to be with a government agency. A uniform or badge alone is not proof.
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Check the licensing and credentials of insurance agents and public adjusters through your state’s insurance department before agreeing to anything.
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Before agreeing to any work, check your insurance policy to make sure it's covered.
Knowledge gives you power over scams. AARP Fraud Watch NetworkTM equips you with reliable, up-to-date insights and connects you to our free fraud helpline so you can better protect yourself and loved ones. We also advocate at the state, federal and local levels to enact policy changes that protect consumers and enforce laws.
Criminals target older Americans with scam attempts at an alarming rate. That's why AARP supports a bipartisan bill that would give law enforcement agencies the resources they need to investigate financial crimes.
When it comes to fraud, vigilance is our number one weapon. You have the power to protect yourself and your loved ones from scams. Please share this alert with friends and family and visit the Fraud Resource Center for more information.
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