Protect Yourself From Contractor Fraud After a Storm

Church Mutual:

WHAT: Protecting against contractor fraud post-storm.

WHO: Organizations with storm-related property damage.

WHEN: Following a major storm, such as Hurricane Helene or Milton.

WHY: In the aftermath of storms, contractor fraud risks increase significantly. Unscrupulous contractors often target vulnerable organizations offering unsolicited repair services, potentially leading to financial losses.

Key risks to recognize:

• Unsolicited offers: Be cautious of unexpected visits or calls from contractors.
• Claims handling: Avoid contractors proposing to manage your insurance claims—they might not be licensed public adjusters.
• Deductible deals: Steer clear of contractors suggesting they can cover your insurance deductible.
• Payment practices: Never feel pressured to make large upfront payments or deposits.
• Licensing and insurance: Verify proof of licensing and insurance.
• Written contracts: Ensure you receive clear, detailed contracts outlining work, costs and timelines.

What to do if you suspect fraud:

• Gather all related documents: contracts, estimates and invoices.
• Report suspicious activity to your insurance company and local authorities.
• Don’t feel embarrassed—reporting fraud is vital for your protection and the safety of others.

About Church Mutual

Church Mutual Insurance Company, S.I., founded in 1897, offers specialized insurance for religious organizations of all denominations, public and private K-12 schools, colleges and universities, secular and non-secular camps and conference centers, and nonprofit and human services organizations throughout the United States. To learn more, visit churchmutual.com.

¹Church Mutual is a stock insurer whose policyholders are members of the parent mutual holding company formed on 1/1/20. S.I. = a stock insurer.

View source version on businesswire.com: https://www.businesswire.com/news/home/20241010496375/en/