Sadly, identity thieves and scammers often take advantage in difficult times. But the more you know about scams that commonly surface after a disaster, the more you can reduce your risk.
In the aftermath of an emergency, such as a wildfire, identity thieves can often follow right behind disaster assistance.
“During a natural disaster people are vulnerable, and criminals can use that as an in,” says Vera Tolmachoff, Restoration Manager at Allstate Identity Protection.
That’s one reason why the National Center for Disaster Fraud was established in 2005, after rampant scams proliferated in the wake of Hurricane Katrina.
How thieves take advantage in an emergency
Outsiders may flood an area in the wake of a natural disaster. Many may be offering legitimate assistance, but don’t take official-looking vehicles or clothing (like a FEMA hat and jacket) as proof of their identity.
During recovery efforts, thieves often pose as government officials, housing inspectors, or general contractors in order to steal money or personal information.
They then use those stolen details, such as your Social Security numbers, in a variety of harmful ways like applying for government or insurance benefits in your name.
Have your documents ready to go
Wildfire season is a good time to take stock of how you store sensitive identifying documents.
Tolmachoff has first-hand knowledge of what it’s like to flee from a wildfire. “One of the first things I did was grab the safe containing all of my sensitive documentation,” recalls Tolmachoff. “I had an hour to get my child and animal out of the house, and I didn’t have time to dig through paperwork.”
That experience is always top of mind when she advises members to collect identifying paperwork in one container that’s easy to pack. A fireproof document safe is an ideal option. If you don’t have one, consider a sealable plastic bag to protect from water.
Store this container in a secure spot known only to you and a trusted family member or friend but be sure it’s easy to grab quickly if you have to evacuate for a wildfire or other emergency.
Need help restoring critical documents?
If your identity-related documents were damaged, lost, or left behind, replace them in this order:
Your birth certificate: Replace it through your area’s vital records office.
Your driver’s license: Request a “replacement license” through your local department of motor vehicles, online or in person.
Your Social Security card: Check USA.gov for state-specific information about replacing your card.
Stay on guard after a disaster
Follow these practices to safely navigate the recovery process:
Ask to see a badge. A government employee or contractor (such as a housing inspector) should have a laminated badge with a photo ID.
Never give money to someone claiming to be a federal, state, or local disaster worker. Government officials will not ask for or accept payments for any services.
Don’t share personal or financial information — including bank account, credit card, and FEMA registration numbers — with anyone who reaches out through an unsolicited visit, phone call, text, or email. Government agencies are not likely to contact you unless you’ve called them or applied for assistance.
When hiring a contractor, ask for references and check that they are licensed or registered in your county. Also, make sure they have the right permits. Proceed with caution if they ask for advance payments.
If you have any questions about protecting your assets during this stressful time, don’t hesitate to call using the number on your account dashboard.
In the unfortunate event that fraud does occur, we’ll work with you to help restore your identity.
