Be Aware of Flood Cleanup and Recovery Scams

Communities affected by the recent flooding of the Ohio River and surrounding waterways have begun cleanup efforts to address the damage. Unfortunately, scammers are exploiting the situation to prey on those affected. From fraudulent contractors to fake charities, these individuals take advantage of vulnerable moments to line their pockets. Use this guide to familiarize yourself with their tactics so you can protect yourself—and your community!   

What to look out for 

1. Unlicensed contractors 

Be wary of contractors who show up uninvited, offering immediate repairs at suspiciously low prices. They may lack proper licensing, insurance, or credentials. Always verify their legitimacy through tools like the one offered by the Ohio Department of Commerce.  

2. Upfront payment demands 

Scammers often demand full payment upfront or insist on cash-only transactions. Legitimate contractors typically require a reasonable deposit and provide a written contract outlining the scope of their work. A reputable business will also provide a detailed written estimate. Avoid anyone who refuses to put their promises in writing or offers vague terms. 

3. High-pressure tactics 

If someone pressures you to make quick decisions or sign contracts without giving you time to review them, it’s a red flag. Scammers thrive on creating urgency to prevent you from doing due diligence. 

4. Fake charities 

 In the wake of disasters, fraudulent charities often emerge, claiming to raise funds for flood victims. Be cautious of unsolicited donation requests, especially those that lack transparency about how funds will be used. Verify charities through platforms like Charity Navigator. 

5. Impersonation scams  

Some scammers pose as government officials or representatives from disaster relief organizations, a method known as spoofing. They may ask for personal information or payment to expedite assistance. Remember, legitimate agencies will not charge fees for aid. 

What to do if you suspect a scammer 

If you believe you’ve encountered a scammer, take immediate action to protect yourself and others. Report the incident to local law enforcement and your state’s attorney general’s office. You can also file a complaint with the Federal Trade Commission (FTC). 

For charity scams, report suspicious organizations to the Better Business Bureau’s Wise Giving Alliance. Sharing your experience can help prevent others from falling victim to similar schemes. 

Here at General Electric Credit Union, we are here to support members who have been impacted by the recent floods. While it’s heartening to see communities come together to support one another, it’s important to remain cautious and informed. By recognizing the signs of scams and taking proactive steps, you can protect yourself and your neighbors from further financial harm.