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FEMA warns against storm fraud

FEMA warns against storm fraud
Posted on 08/24/2020
FEMA logoAUGUST 24, 2020  Iowa Homeland Security and FEMA remind residents to beware of fraud, that can sometimes be common following widespread natural disasters.

FEMA doesn’t charges for services nor does it endorse any commercial business, product or service. All federal employees have an official badge/ID. Ask to see it.

Here are common post-disaster steps to take to protect yourself:

• Beware of visits, calls or emails from people claiming to be from FEMA or the State of Iowa asking for your Social Security number, bank account or other sensitive information. This prevents false claims and avoids identity theft

• When hiring a contractor, the Iowa Attorney General suggests checking out the contractor before you sign a contract or pay any money. Ask if the contractor is registered with the Iowa Workforce Development's Division of Labor Services. You can check a contractor's registration online through the Division of Labor Services website or call 1-800-562-4692 or 515-242-5871. Check local references. Ask the Attorney General's Consumer Protection Division if it has complaints (515-281-5926 or 1-888-777-4590)

• Get it in writing! Get several written estimates for the job you want done. Before any work begins, agree on a written contract detailing work to be done, responsibility for permits, costs, and any other promises. Request a copy of the contractor's liability insurance certificate. Put start and completion dates in writing and consequences if the contractor fails to follow them (example: the contract could be nullified if the contractor doesn't start on time.)

• Avoid paying large sums in advance to a contractor. If you have to make a partial advance payment for materials, make your check out to the supplier and the contractor. Insist on a "mechanic's lien waiver" in case the contractor fails to pay others for materials or labor.

• State law prohibits price gouging when a county has been declared a disaster area.

• In most cases, Iowa's Door-to-Door Sales law gives you three business days to cance
l a contract signed at your home. Don’t fall for scam artists who promise a disaster grant and ask for large cash deposits or advance payments in full

• Federal and state workers do not solicit or accept money. FEMA and the U.S. Small Business Administration (SBA) staff never charge applicants for disaster assistance, inspections or help in filling out applications

• FEMA inspectors never require banking or other financial information.
• The job of FEMA housing inspectors is to verify damage. Inspectors do not hire or endorse specific contractors to fix homes or recommend repairs. They do not determine eligibility for assistance.
• FEMA inspectors will not condemn a property. Condemnation determinations are made by your local jurisdiction

Recovery officials encourage Iowa residents to watch for and report any suspicious activity.

Iowans can submit an online consumer complaint, which allows you to attach and submit any supporting documents, such as contracts, advertisements, correspondence, proof of payment, etc. You can also download a printable complaint form and mail it to the Office of the Attorney General of Iowa, Consumer Protection Division, Hoover State Office Building, 1305 E. Walnut St., Des Moines, Iowa 50319-0106.

At this time, FEMA Individual Assistance for residents has NOT been approved for Scott County residents. However, the Iowa Individual Disaster Assistance Grant Program has been activated for the severe weather that affected Scott County. Qualifying households may be eligible to receive individual grant assistance and case management to recover from the effects of the storm.

Individuals interested in requesting assistance should contact Community Action of Eastern Iowa at 563-324-3236.