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National Insurance Crime Bureau

Smokies Wildfires Devastate Tennessee Communities

 

The recent wildfires that quickly ripped through Tennessee's Smoky Mountains threatened the lives of tens of thousands of residents in the Gatlinburg area. The fire, likely a result of arson, has already claimed the lives of 11 people as of Friday morning.

 

Right now, insurance company representatives are in the field staffing catastrophe centers and working non-stop to assist victims in rebuilding their lives, their homes and their businesses. As hard as these professionals work to quickly handle the thousands of claims that these kinds of events generate, there are always some victims who experience additional pain—not from the fires, but from greedy scam artists and unscrupulous contractors.

After a natural disaster salespeople go door to door in damaged neighborhoods, offering cleanup or repair services. While many of these are honest and reputable, others are not. The dishonest ones may pocket the payment without completing the job or use inferior materials and perform shoddy work not up to code.

NICB suggests you consider these tips before hiring a contractor:

  • Get more than one estimate
  • Get everything in writing.  Cost, work to be done, time schedules, guarantees, payment schedules and other expectations should be detailed
  • Demand references and check them out
  • Ask to see the contractor's driver's license and write down the license number and their vehicle's license plate number
  • Never sign a contract with blanks; unacceptable terms can be added later
  • Never pay a contractor in full or sign a completion certificate until the work is finished and ensure reconstruction is up to current code
  • Make sure you review and understand all documents sent to your insurance carrier
  • Never let a contractor pressure you into hiring them
  • Never let a contractor interpret the insurance policy language
  • Never let a contractor discourage you from contacting your insurance company

You can download our disaster fraud brochure and other fraud awareness materials here.

If you believe you have been approached by an unscrupulous contractor or adjuster, or have been encouraged to fabricate an insurance claim, contact your insurance company, or call the NICB toll-free at 1-800-TEL-NICB (1-800-835-6422) or report it online by visiting our web site at www.nicb.org.

Anyone with information concerning insurance fraud or vehicle theft can report it anonymously by calling toll-free 800.TEL.NICB (800.835.6422) or submitting a form on our website.

About the National Insurance Crime Bureau: Headquartered in Des Plaines, Ill., the NICB is the nation's leading not-for-profit organization exclusively dedicated to preventing, detecting and defeating insurance fraud and vehicle theft through data analytics, investigations, learning and development, government affairs and public affairs. The NICB is supported by more than 1,400 property and casualty insurance companies and self-insured organizations. NICB member companies wrote over $525 billion in insurance premiums in 2019, or more than 82% of the nation's property-casualty insurance. That includes more than 95% ($241 billion) of the nation's personal auto insurance. To learn more visit www.nicb.org.