When natural disasters like wildfires, hurricanes, or floods strike, they leave behind more than physical destruction.

Scammers often emerge, preying on people who are in heightened emotional and financial distress.

Protecting yourself from fraud during these vulnerable times is essential to avoid compounding the devastation.

Karina Layugan, an attorney with the Federal Trade Commission (FTC) in Los Angeles, warns that scammers frequently impersonate utility companies or government agencies, such as FEMA, to gain personal information. These fraudsters often use phrases like “verify your information” to create a sense of urgency.

Layugan advises people to remain cautious and contact the company or agency directly before sharing any details. She also emphasizes that FEMA does not charge fees for applications or offer expedited relief in exchange for money.

Scams targeting disaster victims often involve phony contractors promising immediate repairs or cleanup. Many of these scammers demand cash payments upfront or fail to provide written contracts.

Layugan recommends verifying licenses and insurance information, checking online reviews, and seeking multiple estimates before hiring any contractor. These steps can help prevent falling victim to fraudulent schemes.

Recognizing Signs of Identity Theft

Scams after disasters can lead to identity theft, which may not be immediately noticeable. According to the FTC, signs of compromised personal information include:

- Unauthorized utility or credit accounts opened in your name.

- Debt collection calls for unknown accounts.

- Unexpected bills or charges for items or services you didn’t purchase.

- Missing mail or unreceived government benefits.

- Errors on your credit report or denial of loan applications.

Steps to Take if Your Identity is Compromised

Report the Theft:

- Contact the three major credit bureaus—Equifax, TransUnion, and Experian—to request fraud alerts and credit freezes.

- Notify your bank, credit card issuers, and other institutions to secure your accounts.

Monitor and Secure Your Information:

- Regularly review bank and credit card statements for suspicious activity.

- Secure sensitive information like your Social Security card in a safe location.

- Avoid sharing personal or financial information over the phone or online with unknown entities.

Protect Yourself from Future Scams

Beyond post-disaster fraud, other types of scams, such as tax or medical identity theft, may also arise. Scammers often target victims during tax season or Medicare re-enrollment periods. To stay vigilant, collect your mail daily, shred sensitive documents, and remain skeptical of unsolicited offers or requests for personal details.

By taking these precautions, you can protect your finances and identity during the challenging aftermath of a disaster. Remember, staying informed and cautious is your best defense!