Recent disasters in Southern California, including devastating wildfires that have destroyed thousands of homes and businesses, have unfortunately given rise to scams targeting victims and their communities. During times of stress and urgency, individuals may not always have the capacity to conduct thorough due diligence before signing documents or donating their hard-earned money. Below are some common scams to watch out for and tips to protect yourself.
1. Fraudulent Fundraising Efforts
- Scammers may set up fake fundraising campaigns on platforms like GoFundMe or use social media to solicit donations.
To Avoid Falling Victim:
- Only donate to campaigns if you can verify their legitimacy directly with the family or individual involved.
- Consider donating to established non-profit organizations actively working in disaster relief.
2. Impersonation of Official Organizations
- Scammers may send emails or notices pretending to represent organizations like FEMA or local fire departments, requesting donations.
Keep in mind:
- Legitimate organizations rarely reach out directly for donations. They typically rely on their official websites for fundraising efforts.
- Always verify the authenticity of requests by visiting the organization’s official website.
3. Scams Targeting Direct Victims of Fires
For those directly impacted by the wildfires, be cautious of individuals or companies offering services such as:
- Contractor Scams: Fraudsters may pose as contractors offering to rebuild homes.
- Debris Removal Scams: Some may claim to be debris removal companies ready to clean up your property.
- Fake Insurance Adjusters: Others may present themselves as independent insurance adjusters offering to negotiate with insurance companies on your behalf.
How to Protect Yourself:
- Verify licenses and credentials through official channels.
- Check references and conduct background checks.
- Search for reviews and information online about the person or company.
- Be aware that California law prohibits contractors from collecting more than 10% of the total project cost as a deposit.
- If insured, ensure payments for services come directly from your insurance company.
4. Dealing with Insurance Companies
While insurance companies are not scammers, they often aim to minimize payouts. Protect yourself by:
- Avoiding Quick Settlements: Do not accept the first offer from your insurance company. Take time to assess the full extent of your needs, including living expenses, debris removal, and rebuilding costs.
- Understanding Releases: Be cautious when signing any release forms. Once signed, you waive your right to further compensation. Always consult an attorney to review documents and explain their implications before signing.
Key Warning Signs of Scams
- Unsolicited Communications: Be wary of unexpected emails, phone calls, or in-person visits.
- Pressure to Act Quickly: Scammers often create a false sense of urgency, pushing victims to make hasty decisions.
Remember, even during these situations, you have time to make informed decisions. Various resources are available to assist you during the recovery process.
If you need assistance reviewing documents, releases or contracts, contact Attorney Liat Cohen at 818.579.9996 or liatlawpc@gmail.com. Consultations are always free.
Stay vigilant and stay safe.