
Protecting Yourself from Insurance Scams After a Fire
Wildfires can leave devastation in their wake, and while survivors focus on rebuilding their lives, scammers may attempt to take advantage of their vulnerability. It is crucial to remain vigilant and informed to avoid falling victim to fraudulent insurance schemes. Here are key tips to protect yourself after a fire.
1. Contact Your Insurance Provider Immediately
As soon as it is safe to do so, reach out to your insurance company or agent to begin the claims process. If you do not have their contact information, the California Department of Insurance can assist you at 800-927-4357 or via their website at insurance.ca.gov.
2. Keep Records of All Expenses
Many insurance policies include provisions for additional living expenses in cases of mandatory evacuation or emergency situations. Be sure to maintain receipts and records of all costs incurred.
3. Do Not Sign Repair Contracts Prematurely
Avoid signing any contracts for repairs or services before speaking directly with your insurance company. Scammers often pressure victims into unnecessary or overpriced repairs.
4. Verify the Identity of Adjusters
There are three types of insurance adjusters:
Public Adjusters – Represent the claimant and charge a fee (typically a percentage of the settlement).
Company Adjusters – Employees of the insurance company and do not charge the claimant.
Independent Adjusters – Hired under contract by the insurance company and do not charge the claimant.
If a public adjuster approaches you, ask to see their license and verify their credentials with the California Department of Insurance.
5. Know Your Rights Regarding Public Adjusters
Public adjusters are bound by several legal restrictions:
They cannot solicit your business while the fire is ongoing or within seven days of a disaster area reopening.
They are prohibited from offering money or incentives to sign a contract.
They cannot have any financial ties to contractors or repair businesses.
Their contracts can be canceled within three business days—or five calendar days in the case of a disaster—without penalty.
6. Beware of High-Pressure Tactics
Scammers often create urgency, pressuring victims into signing contracts. Be wary of anyone rushing you to sign agreements or start demolition work without proper approvals.
7. Utilize Trusted Resources for Assistance
If you suspect fraud or need additional help, contact the appropriate authorities:
California Department of Insurance: 800-927-4357
Contractors State License Board: 800-321-2752
FEMA (Federal Emergency Management Agency): 800-621-3362
National Insurance Crime Bureau: 800-447-6282
Los Angeles County District Attorney’s Office: 213-257-2450
By staying informed and cautious, wildfire survivors can protect themselves from scams and ensure they receive the support and compensation they deserve. Always verify credentials and reach out to official sources when in doubt.
Commentaires