NC attorney general’s office offers tips to avoid storm-related scams

From staff reportsJuly 3, 2014 

North Carolina Attorney General Roy Cooper on Thursday warned consumers to be wary of scams related to Hurricane Arthur.

The AG's office offered these tips to consumers:

— Safety first. If you need to evacuate on short notice, don’t risk your safety by gathering your personal items. After the storm has passed, do not attempt to move downed power lines or attempt dangerous repairs on your own.

— Take important financial documents with you if you evacuate, including insurance policies, mortgage documents, an inventory of the contents of your home, and any bills to pay. Also take your insurance agent’s phone number and the number for the Consumer Protection hotline, 1-877-5-NO-SCAM, with you.

— If the storm damages your property, contact your insurance company. Some insurance companies require an adjuster’s approval before work can be done. Take pictures and videos of the damage, if possible. Cover holes in your roof or walls with a tarp to prevent additional damage if you can do so safely.

— Don’t pay for work up front. Inspect the work and make sure you’re satisfied before you pay. A small down payment may be required for some projects, but don’t pay anything without getting a written contract. Avoid paying with cash; use a check or a credit card instead.

— Beware of any contractor who tries to rush you or comes to your home to solicit work. If an offer is only good now or never, find someone else to do the work. Seek recommendations from friends, neighbors, co-workers and others who have had work done on their homes.

— Get three written estimates, if possible, and compare bids. Check credentials and contact the Attorney General’s Office and the Better Business Bureau to learn about any complaints against the contractor. Ask to get the contractor’s certificate of insurance directly from their insurance company, not from the contractor. Before work begins, get a written contract detailing all work to be performed, costs and a projected completion date.

— For car repairs, shop around and compare written estimates. On major jobs, get a second opinion. If the mechanic recommends replacing parts, ask for the old parts back. You may get credit on some parts if the mechanic wants to keep them.

— Beware of charity scams that use disasters to make phony pleas for donations sound more real. If a caller refuses to answer your questions about the charity, offers to come to pick up a donation in person or calls you and asks for a credit card, bank account or Social Security number, it may be a scam. To report telemarketing fraud, call the Attorney General’s Office. To check up on a charity, call the Secretary of State’s office toll‑free at (888) 830‑4989.

— For more tips on hurricane preparedness, visit readync.org.

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