Natural Disaster Scams

Natural disasters, be they hurricanes, tsunamis, tornadoes, wildfires or floods are fodder for the most vile of scammers who take advantage of both the victims of these disasters and people who wish to make charitable donations to the victims of charities.  The scammers take advantage of those people already victimized by posing as government agency employees or insurance adjusters.  In the process of their interviewing the victims, they request personal identifying information, such as Social Security numbers and then use this information to make the victims of the natural disaster victims of the unnatural disaster of identity theft.  The scammers take advantage of people wishing to donate to the victims of natural disasters through phony charities.

TIP

If you are a victim, you must confirm the identity of anyone who contacts you purporting to be from a governmental agency or insurance company.  Do not give out any information until you have checked them out by contacting the actual agency or insurance company that they claim to represent.

As for charitable donations, go to www.charitynavigator.org and check out the charity to see if it is legitimate and while you are there, you may wish to check on the amount of the money gathered by the particular charity that actually goes toward their charitable purposes and how much goes to administrative costs and salaries.  A reputable charity should not pay more than between 25 and 35% to salaries and administrative expenses.  Additionally, if you are contacted by someone soliciting on behalf of a legitimate charity, you should be aware that as much as 80% of what is collected by professional charity solicitors goes to the actual charity for which they may be soliciting.  If you are inclined to donate to the charity, you may wish to consider donating directly to be confident that more of your donation actually is going to benefit the charity to which you wish to donate.