How to Avoid Being Scammed After a Natural Disaster  

Written by:

Baylor Cox

Reviewed by:

• Erin Frizell

  

Disasters bring out the best and the worst in people. While many individuals and organizations rally to help those in need during crisis situations, some take advantage of the misfortunes of others by carrying out scams. Disaster scams exploit the vulnerability of individuals and communities devastated by events such as natural disasters, pandemics, or any crisis that leads to significant disruption. Understanding how these scams work and how to avoid them is crucial for protecting yourself and your community.   

Disaster scams can take numerous forms, including fake charities, fraudulent relief efforts, and fake fundraising campaigns. These scams often appear shortly after a disaster strikes, as scam artists look to take advantage of the goodwill of generous donors who want to help. For instance, after a major hurricane, cybercriminals may set up fake websites that appear legitimate, asking for donations to help affected victims. They may even use social media to spread their message, making it easy for unsuspecting individuals to contribute money to scams.   

Kinds of Disaster Scams  

Donation Request Scams

One common type of disaster scam comes in the form of unexpected messages requesting donations or assistance. Scammers may impersonate well-known charities, using logos and branding to appear credible. These messages can come via email, text, or social media and may evoke strong emotions, urging recipients to give immediately to help those in dire situations. If you receive a message seeking donations, it’s essential to verify that it is real by checking the charity’s official website or contacting them directly.   

Always verify charities and organizations before donating. Use resources like Charity Navigator and Better Business Bureau’s Wise Giving Alliance to ensure that the group is legitimate and that their efforts align with their claims. These websites provide information on charity accountability and can tell you how much of your donation goes toward actual relief efforts.  

Impersonating Government Officials or Emergency Responders

Another prevalent scam involves individuals posing as government officials or emergency responders seeking to provide relief or assistance. Scammers might knock on doors in affected neighborhoods, claiming to help residents apply for disaster assistance or offering to conduct assessments for relief services. They may ask for personal information, including Social Security numbers, bank details, or any other sensitive information, under the guise of necessity. It’s vital to remember that legitimate government officials will never ask for your personal information in this manner. Always verify the identity of anyone who claims to be a public servant before providing any details.   

Fraudulent Repair Scams

Many disaster scams also involve fraudulent repair services. When homes or businesses suffer significant damage, individuals who are not licensed or qualified may make offers for repairs or reconstruction to homeowners. These scammers often provide estimates that are much lower than legitimate contractors, luring desperate victims to pay upfront for services that are never rendered. To avoid falling victim to this type of scam, always seek out licensed contractors who have established credentials and reputations. Never pay for a service upfront without proper verification and a written contract.   

Beware Fake or Dangerous Supplies  

In addition to these types of scams, it’s essential to be cautious of counterfeit products marketed as disaster relief items. In the wake of a disaster, people often look for supplies such as food, water, and hygiene products. Unscrupulous sellers may take advantage of this desperation by offering subpar or even harmful products at inflated prices. When purchasing supplies, stick to reputable retailers and well-known brands. Check reviews and look for red flags, such as prices far above market value or vendors without verified business status.   

Avoiding Disaster Scams  

To effectively avoid disaster scams, remain vigilant and skeptical of unexpected communications. When in doubt, cross-reference claims through official channels and take time to research before making any commitments—whether donating money, providing personal information, or purchasing goods.   

Another crucial step is to educate yourself and your community about common scams. Sharing information about how to recognize and avoid scams can make a significant difference in minimizing their impact. Community organizations, local governments, and law enforcement agencies often provide resources and workshops to help raise awareness about potential hazards during disaster recovery phases.   

It’s also advisable to keep your personal information private. Scammers often attempt to trick you into revealing sensitive data that can lead to identity theft. Be cautious about what information you share online and over the phone, especially with individuals you do not know well.   

What to do if You Have Been Scammed  

If you suspect you’ve been targeted or have fallen victim to a disaster scam, reporting the incident to the authorities can help prevent further scams. Contact local law enforcement, the Federal Trade Commission, or your state’s consumer protection agencies. They can provide guidance on the next steps to take and may help to track down the scammers. Also be sure to visit the WeStreet Fraud Center for additional assistance.

In times of crisis, community members often step up to lend a helping hand, creating a spirit of generosity and compassion. By staying informed and vigilant about the types of disaster scams that exist, you can protect both yourself and others. Always question the authenticity of requests for help, verify claims from charities, and educate others about the telltale signs of scams. In doing so, you’ll play a vital role in safeguarding your community and ensuring that the help truly reaches those in need.