El Niño has hit on the west coast and many states have suffered severe weather and flooding. When you’re dealing with keeping your family, home, and automobile safe, the last thing on your mind is falling prey to a con artist. But scammers unfortunately don’t break for poor weather conditions. In fact, they just change their game in order to wreak havoc on more victims. Whether it’s relief scams, charity fraud, home improvement or disaster scams, it’s important to look for red flags and warning signs of a scam. Here are tips to guard against being conned:
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Cleanup scams clean you out. Debris is a common occurrence after a storm or other extreme weather conditions. Be skeptical if someone approaches you, promising immediate cleanup for an up-front payment. Instead, look for someone with the skill, license, and insurance to legally do the work. Check on them with your state or local consumer protection agency. Negotiate a reasonable down payment before signing any contract and avoid making full payment until the work is completed and you’re satisfied.
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En Garde! Though the term is typically used in fencing, being on guard is extremely important when dealing with anyone who will have access to your home. Ask for identification of anyone who wants to enter your home or business. Check the signage on vehicles to make sure they are who they say they are. If you feel uneasy or have any doubt, trust your gut and possibly take your business elsewhere.
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Double-check information. If a contractor tells you some work is covered by your insurance, don’t just take their word. Call your insurance company to confirm if the work is covered.
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Don’t pay cash. Use a credit card or check to pay for work. If there is a problem you may be able to file a dispute or stop payment on the check.
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Watch for charity scams. In the wake of disasters and events, charity scams pop up almost immediately. Don’t let scammers pull at your heart strings. A bogus charity won’t do your contribution any good. If the charity can’t give or refuses to provide detailed information about themselves, their mission, or how your donation will be used, walk away. Do the same with individuals that pressure you to donate right away before you have had time to vet their charity. You can search for charities on the IRS website or call their customer account services division at (877) 829-5500.
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About Business Consumer Alliance
Business Consumer Alliance (BCA) is a nonprofit organization focused on strengthening integrity in the marketplace. We help consumers by resolving disputes and providing transparent business reputation reports. At the same time, we support contractors, movers, and small business owners with contract assistance, arbitration services, reputation management resources, along with business and HR advice. We’re here to help good businesses stand out and succeed while protecting the public.