At Global View, we prioritize your financial security, especially in the aftermath of a crisis like Hurricane Helene and Hurricane Milton. Unfortunately, disasters create opportunities for scammers to take advantage of vulnerable people. This article provides you with practical tips to protect yourself and your loved ones from these fraudulent schemes. As your trusted fiduciary advisor in Greenville, we care about your safety and well-being.
The Rise of Scammers Following Disasters
Historically, scammers have always exploited people during times of crisis. Whether it’s hurricanes, floods, or other natural disasters, fraudsters know that people in distress are more susceptible to deception. After Hurricanes Helene and Milton, it’s essential to stay vigilant and avoid falling victim to these schemes.
Psychologically, fear and urgency make you more vulnerable. The stress of dealing with the aftermath of a disaster, combined with the pressure to act quickly, can cloud judgment. Scammers capitalize on this by creating a sense of urgency, prompting you to make hasty decisions without thorough verification.
Common Tactics Used By Scammers
Scammers are increasingly sophisticated in their methods. Below are some common tactics you should watch out for:
- Phishing emails: Fraudsters send emails posing as disaster relief organizations, asking for donations or personal information. Be cautious of links and attachments, especially if the sender’s address looks suspicious. Instead, visit the organization’s website directly.
- Robocalls: Automated calls may offer fake services or relief efforts, asking you to provide sensitive information. Always verify the legitimacy of any unsolicited calls before acting.
- Door-to-door solicitations: Scammers may show up at your home, claiming to be contractors or relief workers. Ask for identification and do not agree to services without checking their credentials.
- Fake charities: Fraudsters often set up fake charities to solicit donations. Always verify the legitimacy of any organization through trusted sources like Charity Navigator.
How to Protect Yourself from Hurricane Scammers
Here are some steps you can take to protect yourself after Hurricanes Helene and Milton:
- Verify the legitimacy of organizations: Before donating to any charity, ensure it’s legitimate by checking their registration status and online reviews. Trustworthy organizations will always be transparent about their credentials.
- Beware of unsolicited contact: Be cautious of unsolicited emails, phone calls, and texts. Fraudsters create urgency to make you act without thinking. Always double-check before sharing personal information.
- Be cautious of contractors: If you’re in need of repairs, get multiple quotes and check references before hiring a contractor. Avoid paying upfront in full, and don’t trust anyone who pressures you to make immediate decisions.
- Report suspicious activity: If you come across any suspicious behavior, report it to authorities like the Federal Trade Commission or your local police. Your action can help prevent others from falling victim to scams.
Examples of Common Scams
Here are some real-life examples of Hurricane scams:
- Fake FEMA representatives: Some scammers pose as FEMA workers, offering fake services in exchange for payment. Always verify their credentials through official FEMA channels.
- Contractor fraud: Scammers may offer to repair your home but vanish after receiving payment. Be sure to hire only licensed and insured contractors with positive reviews.
- Donation scams: Fraudsters create fake online donation platforms, claiming to help victims of Hurricane Helene or Milton. Double-check the legitimacy of these platforms by reviewing their history and track record.
Resources for Further Information
We urge you to use the resources available to you, including these:
- Government agencies: The Federal Trade Commission (FTC) offers valuable resources on identifying and reporting scams, including a dedicated page on disaster-related fraud. You can also visit the Federal Emergency Management Agency (FEMA) to confirm the legitimacy of disaster relief efforts. Lastly, the Better Business Bureau (BBB) provides information on businesses and charities, helping you verify their reputability before making donations.
- Consumer protection organizations: The National Consumer Law Center provides guidance and advocacy for victims of fraud, helping you understand your legal rights in case of financial deception. Additionally, the Consumer Financial Protection Bureau (CFPB) offers resources and tips for avoiding scams and financial exploitation after disasters. These organizations play a key role in safeguarding consumer rights and offering assistance when you suspect fraudulent activity.
- Reputable charities: The American Red Cross is one of the most recognized organizations for disaster relief, ensuring that your donations reach those in need. Charity Navigator is an excellent tool for verifying the transparency and accountability of charities before donating. Stick to established organizations like the Salvation Army to make sure your contributions help the victims of Hurricanes Helene and Milton rather than fraudsters.
We’re Here to Help
As we’ve discussed, scammers often thrive after a disaster. Still, with the right knowledge and caution, you can protect yourself and your finances. At Global View, we are here to help you navigate these difficult times. If you have questions or need further assistance, don’t hesitate to reach out. Please share this information with friends and family to help protect our community from these scams.