The Carolina coast is no stranger to natural disasters with an active hurricane season predicted this year. In 2023, post-disaster fraud cost Americans over $9.3 billion, according to the National Insurance Crime Bureau (NICB). With hurricane and wildfire season in full swing, it’s important to remind ourselves that when the clouds roll out and the smoke clears, criminal scammers tend to move in. 
 
Following extreme weather events, criminals impersonate government, utility, and insurance workers. They may show up at your door or call with promises of federal grants, priority repairs, or faster claim processing in exchange for a fee or up-front deposit. 
 
While actual Federal Emergency Management Agency (FEMA) agents may visit your home to assist, they will never ask for payment and will carry a government-issued laminated photo badge. A FEMA shirt or jacket is NOT proof of identity.  
 
Be cautious of door-to-door insurance and utility solicitations promising special or expedited assistance. Even if the offer appears genuine, ask for more information, and never give money on the spot. You should also contact your insurance or utility company through pre-established channels to confirm that an offer is legitimate. 
 
Going for gold
Olympic athletes aren't the only ones after gold this summer. Criminal scammers are increasingly trying to steal your savings through gold bar schemes. 
 
Criminals may impersonate representatives from the government to convince you that your bank account is compromised. They'll instruct you to withdraw your money and convert it into gold, before sending a “courier” to collect the bars for safe storage. However, once your gold is picked up, they’ll cut off contact and disappear. 
 
Thankfully, there are some warning signs of gold bar schemes. 
No legitimate entity is going to ask you to buy gold. In addition, you should always be very weary if someone suggests that you must move your money to make it safe. While the involvement of couriers in gold bar scams may make it appear more legitimate, it’s another red flag.
 
Be a fraud fighter! If you can spot a scam, you can stop a scam.

Learn how to proactively spot scams or get guidance if you’ve been targeted. Visit aarp.org/fraudwatchnetwork or call our dedicated helpline to speak to a fraud specialist at 877-908-3360. You can also get prevention tips by watching the AARP North Carolina Fraud Watch Minutes on YouTube.