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              <h1 class="title">Hurricane Harvey: Picking up the pieces</h1>
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	<div class="submitted">August 28, 2017<div class = "author" >by
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                Colleen Tressler            
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                Consumer Education Specialist, FTC            
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                <p class="MsoPlainText"><span style="font-size:12.0pt"><span>Hurricane Harvey has devastated much of Southeastern Texas. Once the rain and floodwaters recede, it’ll be time to take stock and develop a recovery plan. The process may seem overwhelming. Here are a few tips and links to resources to help make the task less burdensome.                                                                             </span></span><span style="font-size:12.0pt"><span>                         </span></span></p>
<ul><li><span><span><span style="font-size:12.0pt"><span>Contact your insurance company. Ask what the next steps are in </span></span><span style="font-size:12.0pt"><span><a href="https://www.consumer.ftc.gov/articles/0377-rebuilding-your-home-or-office-after-weather-emergency">assessing any damage</a></span></span><span style="font-size:12.0pt"><span> to your home or business. <img alt="" src="/sites/www.consumer.ftc.gov/files/rotator-images/mini-rotator-weather-emergencies.png" style="float:right; height:124px; margin:5px; width:164px" /></span></span></span></span></li>
<li><span><span><span style="font-size:12.0pt"><span>Your home and its contents may look beyond hope, but it’s possible many of your belongings </span></span><span style="font-size:12.0pt"><span><a href="https://www.consumer.ftc.gov/blog/coping-flooding">can be restored</a></span></span><span style="font-size:12.0pt"><span>. With luck and hard work, your flooded home could be cleaned up, dried out, rebuilt, and reoccupied.</span></span></span></span></li>
<li><span><span><span style="font-size:12.0pt"><span>Be skeptical of people promising immediate </span></span><span style="font-size:12.0pt"><span><a href="https://www.consumer.ftc.gov/articles/0380-debris-clean-and-removal-scams-after-weather-emergency">clean-up and debris removal</a></span></span><span style="font-size:12.0pt"><span>. Some may demand payment up-front for work they never do, quote outrageous prices, or simply lack the skills, licenses, and insurance to legally do the work.</span></span></span></span></li>
<li><span><span><span style="font-size:12.0pt"><span>If you’re looking for a place to rent during recovery, be cautious of </span></span><span style="font-size:12.0pt"><span><a href="https://www.consumer.ftc.gov/articles/0079-rental-listing-scams">rental listing scams</a></span></span><span style="font-size:12.0pt"><span>. Scammers often advertise rentals that don’t exist to trick people into sending money before they find out the truth.</span></span></span></span></li>
<li><span><span><span style="font-size:12.0pt"><span>Many people will be asking for </span></span><span style="font-size:12.0pt"><span><a href="https://www.consumer.ftc.gov/articles/0272-how-keep-your-personal-information-secure">your personal information</a></span></span><span style="font-size:12.0pt"><span>. Make sure you know who you are dealing with. Ask for identification before you share your Social Security or account numbers. Scammers sometimes pose as government officials, and ask for your financial information or money to apply for aid that you can request on your own for free. Government officials will never ask you for money in exchange for information or the promise of a check.</span></span></span></span></li>
<li><span><span><span style="font-size:12.0pt"><span>You might have had to leave your home without IDs, checks, credit and debit cards, and other documents. You also might be without access to a bank account or paycheck for some time. </span></span><span style="font-size:12.0pt"><span>If you need to get money, understand your options for paying bills and replacing important documents. This </span></span><span style="font-size:12.0pt"><span><a href="https://www.consumer.ftc.gov/articles/0379-dealing-weather-emergency-getting-back-your-feet-financially">list of contacts</a></span></span><span style="font-size:12.0pt"><span> may help you regain your financial footing.</span></span></span></span></li>
<li><span><span><span style="font-size:12.0pt"><span><a href="https://www.consumer.ftc.gov/articles/0150-coping-debt">Call your creditors</a></span></span><span style="font-size:12.0pt"><span> and ask for help. If you’re a homeowner, even if your home is uninhabitable, you still have a mortgage. </span></span><span style="font-size:12.0pt"><span><a href="https://www.consumer.ftc.gov/blog/coping-weather-emergency-paying-your-mortgage">Contact your lender</a></span></span><span style="font-size:12.0pt"><span> to discuss your options.</span></span></span></span></li>
</ul><p><span><span style="font-size:12.0pt"><span>For more tips, please visit <a href="https://www.consumer.ftc.gov/features/feature-0023-weather-emergencies">Dealing with Weather Emergencies</a>. </span></span></span></p>
            
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<div class = "terms">Tagged with: <a href="https://www.consumer.ftc.gov/taxonomy/term/1676" typeof="skos:Concept" property="rdfs:label skos:prefLabel">disaster</a>, <a href="https://www.consumer.ftc.gov/taxonomy/term/957" typeof="skos:Concept" property="rdfs:label skos:prefLabel">emergency</a>, <a href="https://www.consumer.ftc.gov/taxonomy/term/992" typeof="skos:Concept" property="rdfs:label skos:prefLabel">home</a>, <a href="https://www.consumer.ftc.gov/taxonomy/term/1101" typeof="skos:Concept" property="rdfs:label skos:prefLabel">personal information</a>, <a href="https://www.consumer.ftc.gov/search-terms/weather" typeof="skos:Concept" property="rdfs:label skos:prefLabel">weather</a></div><div class="field field-name-field-topics field-type-taxonomy-term-reference field-label-inline clearfix"><div class="field-label">Blog Topics:&nbsp;</div><a href="https://www.consumer.ftc.gov/blog/homes-%26-mortgages" typeof="skos:Concept" property="rdfs:label skos:prefLabel">Homes &amp; Mortgages</a></div>	</div>

 
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    <span class="submitted"><span class = "username"><span rel="sioc:has_creator">melismull</span></span> | <span property="dc:date dc:created" content="2017-08-29T15:00:39-04:00" datatype="xsd:dateTime">August 29, 2017</span> 	    <div class="links"> | <ul class="links inline"><li class="comment-reply first last"><a href="https://www.consumer.ftc.gov/comment/reply/5814/243684">reply</a></li>
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                <p>FEMA has heard reports from our partners of robocalls stating that flood insurance premiums are due and asking for payments. This is fraud.  </p>
<p>How can I officially report this to the FTC?<br />
-The National Flood Insurance Program<br />
FEMA</p>
            
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    <span class="submitted"><span class = "username"><span rel="sioc:has_creator">ctressler</span></span> | <span property="dc:date dc:created" content="2017-08-31T16:37:50-04:00" datatype="xsd:dateTime">August 31, 2017</span> 	    <div class="links"> | <ul class="links inline"><li class="comment-reply first last"><a href="https://www.consumer.ftc.gov/comment/reply/5814/245884">reply</a></li>
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      <span rel="sioc:reply_of" resource="https://www.consumer.ftc.gov/blog/2017/08/hurricane-harvey-picking-pieces" class="rdf-meta element-hidden"></span><span rel="sioc:reply_of" resource="https://www.consumer.ftc.gov/comment/243684#comment-243684" class="rdf-meta element-hidden"></span>
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                <p>Thanks for your comment. The FTC issued a post about this on August 30. Please see <span><a href="https://www.consumer.ftc.gov/blog/2017/08/hurricane-harvey-scams-callers-lie-about-flood-insurance">Hurricane Harvey scams: Callers lie about flood insurance.  </a>People can file a report with the <a href="https://www.ftc.gov/complaint">FTC online.</a> </span></p>
            
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    <span class="submitted"><span class = "username"><span rel="sioc:has_creator">Sean B</span></span> | <span property="dc:date dc:created" content="2017-08-31T14:09:13-04:00" datatype="xsd:dateTime">August 31, 2017</span> 	    <div class="links"> | <ul class="links inline"><li class="comment-reply first last"><a href="https://www.consumer.ftc.gov/comment/reply/5814/245764">reply</a></li>
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                <p>What do I do to help me pay my rent?</p>
            
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    <span class="submitted"><span class = "username"><span rel="sioc:has_creator">ctressler</span></span> | <span property="dc:date dc:created" content="2017-08-31T16:33:37-04:00" datatype="xsd:dateTime">August 31, 2017</span> 	    <div class="links"> | <ul class="links inline"><li class="comment-reply first last"><a href="https://www.consumer.ftc.gov/comment/reply/5814/245874">reply</a></li>
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                <p>Credit card companies, lenders, financial institutions, <strong>landlords,</strong> utilities and others may offer help to people affected by disasters. Contact them, and ask for help. They may be willing to: defer your payments or offer extended repayment plans; extend grace periods; waive late fees; raise your credit limit; refrain from reporting delinquency; and postpone collection, repossessions and foreclosures. For more information, please see <a href="https://www.consumer.ftc.gov/articles/0379-dealing-weather-emergency-getting-back-your-feet-financially">Dealing with a Weather Emergency: Getting Back on Your Feet Financially</a>.</p>
            
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    <span class="submitted"><span class = "username"><span rel="sioc:has_creator">ashleyann.0318 </span></span> | <span property="dc:date dc:created" content="2017-09-01T09:31:00-04:00" datatype="xsd:dateTime">September 1, 2017</span> 	    <div class="links"> | <ul class="links inline"><li class="comment-reply first last"><a href="https://www.consumer.ftc.gov/comment/reply/5814/246494">reply</a></li>
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                <p>what kind of assistance is available to apartment tenants? If an apartment on the second floor and has been emerged in water is the tenant expected to pay rent today ? What can be done if the complex is demanding payment today?</p>
            
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    <span class="submitted"><span class = "username"><span rel="sioc:has_creator">Chelsia</span></span> | <span property="dc:date dc:created" content="2017-09-03T21:17:57-04:00" datatype="xsd:dateTime">September 3, 2017</span> 	    <div class="links"> | <ul class="links inline"><li class="comment-reply first last"><a href="https://www.consumer.ftc.gov/comment/reply/5814/248144">reply</a></li>
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                <p>Can I please get help..</p>
            
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