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Avoiding Scams After A Disaster

Unfortunately, disasters often attract scammers. Protect yourself by being cautious with anyone offering quick repairs or financial help.

Common Signs of Fraud

Be suspicious of anyone who approaches you with unsolicited offers of help. Watch out for these red flags:

  • Demands for upfront payment: Contractors who ask for large payments before any work begins or materials are delivered.
  • "FEMA-approved" claims: Scammers often claim they are "FEMA certified" to gain your trust. FEMA does not certify contractors.
  • Impersonation: A federal or "local disaster worker" asking for a fee to help you apply for aid.
  • Pressure tactics: Anyone forcing you to sign an agreement immediately to get a "special deal."
  • Unusual payment methods: Requests for cash-only deposits, wire transfers, or gift cards.
  • Fake charities: "Recovery funds" soliciting donations via social media or email without proof of registration.

Protect Yourself from Fraud

Verify Contractors

Before hiring anyone to repair flood damage:

  1. Verify their license: You can verify a contractor license with the Washington State Department of Labor and Industries (L&I). Ensure their insurance and bond are active.
  2. Get written estimates: Get at least three written bids to compare prices and ensure you aren't being overcharged.

Check Charities

Check a charity’s legitimacy before donating — especially those found through social media.

You can research charities through the Washington Secretary of State.

Report Scams

If you suspect fraud, report it immediately.