Protect Yourself from Disaster-Related Fraud and Scams

Be aware of these most common post-disaster scams:


If home damage is visible from the street, an owner/applicant may be vulnerable to those who pose as housing inspectors and claim to represent FEMA or the U.S.Small Business Administration.

Ask for identification. Federal and state representatives carry photo ID. A FEMA or SBAshirt or jacket is not proof of affiliation with the government. FEMA inspectors never ask for banking or other personal information. FEMA housing inspectors verify damage but do not hire or endorse specific contractors to fix homes or recommend repairs. They do not determine eligibility for assistance.


Natural disasters bring out fraudulent contractors offering clean-up and repairs. When hiring a contractor:

  • Use licensed local contractors backed by reliable references; recovery experts recommend getting a written estimate from at least three contractors, including the cost of labor and materials; and read the fine print.
  • Demand that contractors carry general liability insurance and workers’ compensation. If he or she is not insured, you may be liable for accidents that occur on your property.
  • Avoid paying more than half the costs upfront. Doing so offers little incentive for the contractor to return to complete repairs.

Pleas for post-disaster donations: Con artists play on the sympathies of disaster survivors, knowing that people want to help others in need. Disaster aid solicitations may arrive by phone, email, letter or face-to-face visits. Verify charitable solicitations: Ask for the charity’s exact name, street address, phone number and web address, then phone the charity to confirm that the person asking for funds is an employee or volunteer. Don’t pay with cash. Pay with a check made out to the charity in case funds must be stopped later. Request a receipt. Legitimate nonprofit agencies routinely provide receipts for tax purposes.


Beware of anyone claiming to be from FEMA or the state and asking for a Social Security number, bank account number or other sensitive information.

Scammers may solicit by phone or in person, promising to speed up the insurance, disaster assistance or building permit process. Others promise a disaster grant and ask for large cash deposits or advance payments.

Here’s how to protect yourself:

  • Federal and state workers do not solicit or accept money. FEMA and SBA staff NEVER CHARGE APPLICANTS FOR DISASTER ASSISTANCE, INSPECTIONS, OR HELP FILLING OUT APPLICATIONS. If you have any doubts, do not give out information and file a report with the police.

There have been reports of flood victims being told (via robo-call) their flood insurance premiums are past due and in order to have coverage for Hurricane Harvey they need to submit a payment to a website.

Insurance companies and agents selling flood insurance policies do NOT use this process to communicate with customers about their flood insurance policies. In fact, if your payment is past due, your insurance company will notify you by mail 30, 60, and 90 days before the policy expires.

If you receive this type of call regarding your flood insurance policy:

  • Hang up the phone. Don’t press 1 to speak to a live operator or any other key to take your number off the list. Just hang up.
  • Immediately contact your insurance company or insurance agent to verify the information.
  • Or call 1-800-638-6620 if you have a policy with National Flood Insurance Program (NFIP) Direct.

Visit for information on how to file your flood insurance claim.


Call the FEMA Disaster Fraud Hotline at 866-720-5721.

To report price gouging, suspected contractor scams and other types of consumer exploitation, contact the Texas Attorney General or call 800-621-0508.

To verify organizations requesting donations for Hurricane Harvey relief, visit either the Texas Voluntary Organizations Active in Disaster website for a list of vetted disaster relief organizations at or the National Voluntary Organizations Active in Disaster website at