In 2023, post-disaster fraud cost Americans over $9.3 billion, according to the National Insurance Crime Bureau (NICB). With hurricane and wildfire season in full swing, it’s important to remind ourselves that when the clouds roll out and the smoke clears, criminal scammers tend to move in. 

Following extreme weather events, criminals impersonate government, utility, and insurance workers. They may show up at your door or call with promises of federal grants, priority repairs, or faster claim processing in exchange for a fee or up-front deposit.

While actual Federal Emergency Management Agency (FEMA) agents may visit your home to assist, they will never ask for payment and will carry a government-issued laminated photo badge. A FEMA shirt or jacket is not proof of identity.  

Be cautious of door-to-door insurance and utility solicitations promising special or expedited assistance. Even if the offer appears genuine, ask for more information, and never give money on the spot. You should also contact your insurance or utility company through pre-established channels to confirm that an offer is legitimate. 

Be a fraud fighter!  If you can spot a scam, you can stop a scam. 

AARP Fraud Watch Network™ is a free resource for all. Learn how to proactively spot scams or get guidance if you’ve been targeted. Visit aarp.org/fraudwatchnetwork or call our dedicated helpline to speak to a fraud specialist at 877-908-3360. 

Need a scam prevention speaker for your group? Click the link to fill out our online form or send an email to me@aarp.org.