Natural disaster recovery
How to Avoid Disaster Recovery Scams
Warning signs to watch for after a storm or disaster.
Editorial status: draft — awaiting expert review. General information only.
Red flags
- Pressure to sign immediately
- Demands for large upfront cash payments
- No written contract or estimate
- Unverifiable license or address
- Offers to 'waive' your deductible
Protect yourself
- Verify licenses with your state or local authority
- Get multiple written estimates
- Read every document before signing
- Pay by traceable methods
Impersonation
Government disaster staff do not charge for help applying for assistance. Verify identity before sharing personal information.
Official resources
This guide is general educational information, not insurance, legal or financial advice. Your policy, insurer and state rules determine what applies to your situation.