The wildfires in Los Angeles County have left thousands of residents devastated, with homes destroyed, lives disrupted, and entire communities in recovery. Unfortunately, where there’s disaster, there’s also opportunity for scammers to exploit people’s vulnerability. Scams can range from fraudulent insurance claims to fake donation drives and deceptive online resources. In these trying times, it’s crucial to stay vigilant to protect yourself and your loved ones.

Here are some essential tips on how to stay safe and avoid scams related to filing insurance claims, making donations online, and navigating online resources during the wildfire recovery process.

1. How to Safeguard Your Insurance Claims

Insurance fraud is rampant during disaster recovery periods. Scammers may pose as insurance adjusters, contractors, or even people offering to help you file a claim. Here’s how to protect yourself:

• Verify the legitimacy of insurance adjusters and contractors: Always contact your insurance company directly using the phone number listed on your policy or their official website. If someone claims to be a representative, ask for their credentials and verify their identity with your insurance provider before engaging them.
• Beware of high-pressure tactics: If someone pressures you to act immediately or offers “guaranteed” claim approvals, be skeptical. Legitimate insurance companies will never rush or force you into a decision.
• Check your policy: Understand your coverage and exclusions before filing a claim. This will help you spot any misinformation or misrepresentation if someone is offering to “help” with your claim for a fee or a cut of the payout.
• Get multiple estimates: When hiring contractors to repair or rebuild, get multiple estimates. Scammers often inflate prices or take deposits without ever completing the work.
• Use the Insurance Commissioner’s resources: The California Department of Insurance offers resources to help victims of wildfires file claims and avoid fraud. You can report suspected fraud through their website or call their consumer hotline.

2. How to Avoid Donation Scams

After a tragedy like the wildfires, the generosity of the public can be overwhelming. Unfortunately, it’s also an opportunity for scammers to exploit the goodwill of others. To avoid falling victim to fraudulent donation schemes, follow these guidelines:

• Donate to reputable organizations: We appreciate the local small heroes of non-profit charities, and while many are used to larger organizations like United Way and Red Cross, more people are wanting to know exactly where their dollars are going – in this regard, check out Charity Navigator or GuideStar to verify the legitimacy of any charity before donating.
• Avoid donation solicitations via email, text, or social media: Be wary of unsolicited requests for donations, especially from unfamiliar sources. Scammers often create fake websites or social media pages mimicking real organizations to trick people into donating.
• Watch for urgency and emotional appeals: Scammers often use emotional language to create a sense of urgency (e.g., “Donate now to help victims right away!”). While it’s understandable to want to help, take a moment to verify the legitimacy of the organization first.
• Donate directly: Never click on links in emails or text messages asking for donations. Instead, go directly to the official website of the charity. Look for “https” in the URL (indicating a secure site) and check for spelling errors, which can be a sign of a scam.
• Get a receipt: Make sure you receive a receipt or confirmation for any donation. This is not only important for tax purposes but also serves as documentation in case you need to report any fraudulent activity.

3. How to Use Online Resources Safely During Recovery

As recovery efforts continue, many people turn to online resources for help—whether it’s finding temporary housing, looking for recovery assistance, or accessing mental health services. However, the internet can be a minefield of misleading information, fake services, and scams.

• Use trusted government websites: For recovery assistance, always start with government websites such as FEMA (Federal Emergency Management Agency), CAL FIRE, or the Los Angeles County government’s official website. These sites offer verified information on recovery programs, disaster relief, and services available to residents. 211la.org and lacounty.gov are directly associated with the Los Angeles wildfire disaster.
• Beware of fake recovery aid offers: Some fraudsters claim to offer grants, loans, or assistance in exchange for payment or personal information. Be skeptical of anyone offering help for a fee. Government and nonprofit organizations provide free services to wildfire victims—there should never be an upfront cost to receive aid.
• Look for secure websites: When searching for resources or signing up for assistance, ensure that the website is secure (look for “https” in the URL and a padlock symbol next to the address). Avoid entering sensitive information like your Social Security number or banking details unless you’re certain the site is legitimate.
• Research online services before using them: If you’re considering using a third-party platform to find housing, employment, or mental health services, read reviews and check the site’s reputation. Websites like Yelp, BBB (Better Business Bureau), and Trustpilot can provide insights from other users’ experiences.
• Be cautious with online ads and pop-ups: Fraudulent ads often target people in distress, offering help that seems too good to be true. Never click on pop-up ads offering assistance, loans, or grants without thoroughly verifying the offer.

4. General Tips to Avoid Scams Post-Wildfire

• Trust your instincts: If something seems off, trust your gut. Scammers often rely on urgency and pressure tactics to cloud your judgment.
• Keep track of your finances: Regularly monitor your bank and credit card statements for any unauthorized charges. Scammers may try to steal your financial information during recovery efforts.
• Report scams: If you encounter a scam, report it to the Federal Trade Commission (FTC), the California Attorney General’s office, or the local law enforcement. Reporting helps authorities take action and protect others.
• Educate your community: Scammers often target vulnerable populations. Share this information with friends, family, and neighbors, especially those who may be less familiar with online safety or technology.

Conclusion

The road to recovery after the Los Angeles County wildfires is long and difficult, and the last thing you need is to fall victim to fraud. By staying informed and vigilant, you can protect yourself from scams while accessing the help and resources you need. Always take the time to verify information and reach out to trusted organizations for support. Together, we can rebuild and recover safely and securely.