Beware of Disaster Fraud and Scammers

Anytime a disaster happens, you can be sure that instances of fraud and scams will increase.  Below are some tips from the folks at FEMA to help you protect yourself as you recovery from Sandy!

• There is never a fee to apply for FEMA disaster assistance or to receive it. 
• There is no fee for FEMA or U.S. Small Business Administration property damage inspections. 
• The only ways to register for FEMA help are to call 800-621-3362 (TTY: 800-462-7585) or visit www.DisasterAssistance.gov. Or visit m.fema.gov from a smartphone or Web-enabled device.
• Government workers will never ask for a fee or payment. They wear a photo ID. Watch out for middle men who promise you will receive money, especially if they ask for an up-front payment.
• Get three written estimates for repair work. Then check credentials and contact your local Better Business Bureau or Chamber of Commerce to learn about any complaints against the contractor or business.
• Before work begins, make sure you get a written contract detailing all the work to be performed, the costs, a projected completion date, and how to negotiate changes and settle disputes. 
• Make sure the contract clearly states who will obtain the necessary permits. Consider having a lawyer review the contract if substantial costs are involved. Keep a copy of the signed contract. 
• If the contractor provides any guarantees, they should be written into the contract clearly, stating what is guaranteed, who is responsible for the guarantee and how long the guarantee is valid. 
• Pay only by check or a credit card. A reasonable down payment may be required to buy materials for some projects, but don't pay anything without a signed contract. 

Cumberland County DPS is here to help you as you recovery from any damage that resulted from Sandy.  Please feel free to contact us if you have any questions.