Post-hurricane contractor fraud
Scammers target disaster areas with predatory repair schemes and fraudulent insurance assignments. Evaluate a contractor solicitation or lookup local hazard registry data.
Contractor Risk Assessment
Answer the questions below based on the contractor's written estimate or verbal statements to evaluate risk levels.
Permit Verification
Check if your property has active post-hurricane repair permits or belongs to a declared FEMA Individual Assistance area.
Searches check state and federal disaster declaration datasets.
Frequently Asked Questions
What is Assignment of Benefits (AOB)?
An AOB is a legally binding contract that transfers the insurance claim rights, benefits, and payout authority of your policy to a third-party contractor, allowing them to file claims and sue the insurer directly.
Is waiving deductibles illegal?
Yes. Florida law (§ 817.234) explicitly states it is insurance fraud for a contractor to advertise or offer to pay, waive, or rebate all or part of an insurance deductible to induce a homeowner to hire them.
How do I check a contractor's license?
Always verify licenses through the state licensing portal. In Florida, search the DBPR portal at myfloridalicense.com. In Texas, check the Department of Licensing and Regulation (TDLR).
How do I report fraud?
Report any suspicious activity or unlicensed contracting to the state Attorney General's office, the state Department of Insurance Fraud, or local law enforcement authorities immediately.
Protect Your Home & Verify Your Options
Guardian AI provides completely free, non-alarmist property intelligence to help you stay ahead of scams and verify your legal rights.
Disclaimer: The contractor assessment and permit checkers are for general educational purposes. Results do not constitute a formal forensic audit, legal investigation, or criminal indictment of any specific contractor. Always verify license credentials and local references.