Insurance Matters
- Understand exactly what your insurance company covers in the event of a disaster.
- Do not endorse and cash any payment from an insurance company that says “final” unless you are sure it is an adequate payment under your policy’s coverage.
- Call your mortgage company to see how reimbursements from your home insurance company will be handled.
- Consider mediation if you are not satisfied with negotiations with your insurance company. In many areas, there is a free public service offered by your state’s insurance commissioner.
- Consult an attorney; local bar associations working with FEMA often set up volunteer attorney sites.
Fraud and Scams
- Don’t pay cash to a contractor for home repairs and never give your credit card number unless you are paying the bill with it.
- Be sure you have a signed contract detailing the work you want to have done and don’t make a final payment until the work has been done to your satisfaction.
- Make sure that any contractors, plumbers, electricians or roofers are bonded licensed or registered in your state. You can check their license status with your state or Better Business Bureau.
- Try to get several bids before agreeing to any work; a one-third down payment is considered appropriate.
- Beware of home repair loan brokers who guarantee you a loan if you first pay a fee.
- If you suspect you have been taken advantage of, call your state attorney general’s office.
Important Websites and Phone Numbers to Have on Hand
FEMA (toll-free): 1-800-621-FEMA (3362); www.fema.gov American Red Cross (toll-free): 1-800-RED CROSS (733-2767); www.redcross.org For more information on preparing for an emergency, visit www.ready.gov.