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How to Avoid Scams After a Disaster: A Consumer Guide

Writer's picture: Kirk CarlsonKirk Carlson




How to Avoid Scams After a Disaster: A Consumer Guide

In the aftermath of a disaster, homeowners and businesses face the daunting task of rebuilding and recovering. Unfortunately, this is also the time when scammers and fraudulent contractors attempt to take advantage of vulnerable individuals. Knowing how to identify and avoid these scams can save you from financial loss and additional stress.

Common Disaster Scams and How to Avoid Them

1. Fraudulent Contractors

After a disaster, unlicensed contractors often go door-to-door offering quick repairs. While some are legitimate, others may disappear after taking an upfront payment without completing the work.

  • Always verify a contractor’s license with the Contractors State License Board (CSLB) at www.cslb.ca.gov or by calling 1-800-321-2752.

  • Avoid contractors who demand large upfront payments or only accept cash.

  • Get multiple quotes and check reviews before hiring a contractor.

2. Public Adjuster and Legal Representation Scams

Some individuals posing as public adjusters or attorneys may try to take advantage of disaster victims.

  • Verify a public adjuster’s license by calling the California Department of Insurance (CDI) at 1-800-927-4357 or visiting www.insurance.ca.gov.

  • Be cautious of adjusters or lawyers who demand a percentage of your insurance claim as payment without clear terms.

  • Try to resolve your claim directly with your insurance company before hiring outside help.

3. Fake Charities and Price Gouging

Scammers may pose as charities seeking donations or businesses charging exorbitant prices for essential goods and services.

  • Research charities before donating through sites like www.charitynavigator.org.

  • Report price gouging to the California Attorney General’s Office or local consumer protection agencies.

Steps to Protect Yourself

  1. Contact Your Insurance Company Immediately – Report damages as soon as possible and follow the guidance of your insurer.

  2. Document Everything – Take photos and videos of damage before making repairs. Keep a log of conversations with contractors and insurance representatives.

  3. Don’t Rush into Agreements – Take time to review contracts and consult with trusted professionals before signing anything.

  4. Check for Proper Licensing – Whether hiring a contractor or public adjuster, verify their credentials through state agencies.

  5. Report Suspected Fraud – If you believe you’ve encountered a scam, report it to the California Department of Insurance at www.insurance.ca.gov or call 1-800-927-4357.

Additional Resources

By staying informed and vigilant, you can protect yourself from fraud and ensure a smoother recovery process after a disaster.


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