Avoiding Disaster-Related Scams

When disasters strike, scammers often try to take advantage of people who are stressed, distracted, or urgently seeking help. Staying alert to common scam tactics can help you protect yourself and your personal information.

Use Only Trusted, Official Sources

Scammers often pretend to be government officials, relief workers, or charity representatives. To stay safe:

• Only use official government websites when seeking disaster assistance. 
• Double-check that a website has https:// and belongs to a legitimate government agency before entering personal details. 
• If someone contacts you unexpectedly, hang up and contact the agency directly using a verified phone number.

Never Pay Fees to Apply for Assistance

Government disaster-assistance programs do not charge fees. If someone asks you to pay to apply, expedite your request, or “unlock” your benefits, it is a scam.

• Do not provide bank or credit card information for disaster aid applications. 
• Report any suspicious payment requests.

Be Cautious with Unsolicited Requests

After a disaster, scammers may reach out through phone calls, emails, texts, social media, or even door-to-door visits.

Watch out for:

• Requests for your Social Security number, bank information, or other sensitive data. 
• Claims that your benefits will stop unless you “confirm” personal information.
• Pressure to act immediately or threats of fines, arrests, or losing aid.

If you are unsure, hang up and call the agency directly using a verified phone number.

Protect Yourself from Charity Scams

Unfortunately, fake charities often appear after disasters. Before donating:

• Research the charity using reliable sources. (Learn more about verifying charities.)
• Avoid opening donation links sent through unsolicited emails or social media messages. 
• Never donate using gift cards, wire transfers, cryptocurrency, or payment apps.

Legitimate charities will not pressure you or demand these payment methods.

Watch Out for Home Repair or Cleanup Scams

Scammers often exploit the need for repair or debris removal services during disaster recovery. Protect yourself by:

• Asking contractors for identification, licenses, and proof of insurance. 
• Getting more than one estimate before committing. 
• Never signing over your insurance check or paying large amounts upfront. 
• Reading all contracts carefully – and avoiding “blank” or incomplete documents.

Be Alert to Cybercrime During Disasters

Cybercriminals use disasters to launch phishing attacks and malicious websites. Stay safe online by:

• Being cautious of emails containing disaster-related subject lines, attachments, or hyperlinks. 
• Avoiding social media pleas and text messages requesting donations or sensitive information.
• Confirming information through trusted sources like FEMA or Ready.gov.

These attacks often look convincing, so take your time and verify the sender and content before opening emails or links.

When in Doubt, Verify

If something feels suspicious – such as a rushed request, unusual payment methods, or an unexpected message – trust your instincts.

You can always:

• Check official state guidance on disaster recovery and consumer protection. 
• Call your insurance company directly before approving repairs. 
• Report suspected fraud to the N.C. Department of Justice.