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                                    									<h4 class="topic">CBS Evening News</h4>
                                        										<h3 class="title"><a href="/videos/abuse-allegations-against-former-white-house-aide-overshadow-trump-budget" class="video_slug item-click" title="Allegations overshadow Trump's infrastructure plan">Allegations overshadow Trump's infrastructure plan</a>
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                                        										<h3 class="title"><a href="/videos/father-facing-deportation-given-1-year-work-permit" class="video_slug item-click" title="Father facing deportation granted stay">Father facing deportation granted stay</a>
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                              <span class="by">By</span>
            <span class="author">Kathy Kristof</span>
                  
                  <span class="source">MoneyWatch</span>
        <span class="time">August 31, 2017, 5:15 AM</span></div>
    
    <h1 class="title" itemprop="headline">Insurance scams target homeowners affected by Harvey</h1>

    
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    <div data-page="1" data-page-hidden="0" data-use-autolinker="false"><p>Scammers targeting Hurricane Harvey victims are making robocalls throughout the affected areas, warning victims that their flood insurance premiums are overdue and must be paid immediately to maintain coverage, the <a href="https://www.consumer.ftc.gov/blog/2017/08/hurricane-harvey-scams-callers-lie-about-flood-insurance?utm_source=govdelivery">Federal Trade Commission is warning</a>.</p><p>In reality, even if your premium payment was due at month's end, the Federal Emergency Management Agency, which <span class="link"><a href="https://www.cbsnews.com/news/hurricane-harvey-national-flood-insurance-program/" data-invalid-url-rewritten-http="">administers the National Flood Insurance Program</a></span>, typically provides extended grace periods during natural disasters, said Loretta Worters, spokeswoman for the Insurance Information Institute. During flooding in Louisiana last year, for example, the agency extended its normal 30-day renewal grace period to 120 days for those in affected areas. </p><ul><li><a href="https://www.cbsnews.com/feature/hurricane-harvey/" target="_blank" data-invalid-url-rewritten-http="">Related: Hurricane Harvey</a><br></li><li><span class="link"><a href="https://www.cbsnews.com/news/houston-flooding-hurricane-harvey-recovery-how-to-help-donate/" data-invalid-url-rewritten-http="">How to help Harvey victims</a></span></li><li><span class="link"><a href="https://www.cbsnews.com/news/hurricane-harvey-scams-hoaxes-to-beware-of/" data-invalid-url-rewritten-http="">Harvey fact vs. fiction: Stay clear of these false rumors</a></span></li></ul><p>"Every time there is a natural disaster, scammers jump in," said Lois Greisman, associate director, division of marketing practices, at the FTC. "No one should be calling you about paying premiums right now. Everybody knows what is going on."</p><p>Indeed, hurricane victims are far more likely to get money from FEMA than need to make a payment to the agency. FEMA, in fact, is helping displaced hurricane victims cover temporary living costs. Given the onslaught of claims, the agency urges flood victims to make their initial claim online at <a href="https://www.disasterassistance.gov/" target="_blank">www.disasterassistance.gov</a>. Those without internet access can call (800) 621-3362.</p><div class="shortcode-gallery shortcode large left " id="shortcode-gallery" data-ads='{"wordCount":4,"extraWordCount":50}'>
    <a href="/pictures/houston-flood-harvey-shelters" data-omniture-track="trackGalleryOverlayView" data-omniture-track-data='{"siteSection":"U.S.","siteHier":["U.S."],"pageType":"image_gallery","photoGalleryTitle":"Inside Houston\u0027s emergency shelters","photoGalleryId":"5ecd9410-9205-4d1e-afc3-5495e93f5439","topicId":["f70de83b-b2ef-11e2-a3f0-029118418759"],"topicName":["U.S."],"articleType":"content_gallery","articleAuthorId":["30dacdbc-6a8a-11e2-9d12-0018fe8a00b0"],"articleAuthorName":["CBSNews (Hidden Byline) "],"collectionId":["bc7713c8-9911-4976-af1e-b5ae83a847fe"],"collectionName":["Hurricane Harvey"]}'>
        <figure class="gallery overlay-gallery"><span class="img "><img src="https://cbsnews3.cbsistatic.com/hub/i/r/2017/08/30/dff9c272-f39a-44b0-ac83-25d05106043d/thumbnail/380x240/6f1327ce809d578c359ae3c17c915ce9/ap-17241445961859.jpg#" alt="Inside Houston's emergency shelters " height="240" class=" lazyload" data-srcset="https://cbsnews3.cbsistatic.com/hub/i/r/2017/08/30/dff9c272-f39a-44b0-ac83-25d05106043d/thumbnail/380x240/6f1327ce809d578c359ae3c17c915ce9/ap-17241445961859.jpg 1x, https://cbsnews1.cbsistatic.com/hub/i/r/2017/08/30/dff9c272-f39a-44b0-ac83-25d05106043d/thumbnail/760x480/114bf22c9bd92fd727b25c908db1b55c/ap-17241445961859.jpg 2x" srcset="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEAAAAALAAAAAABAAEAAAI="></span>

            <figcaption><div class="meta">
                    <span class="count">33</span>
                    <span class="label">Photos</span>
                </div>
                <h3 class="title">Inside Houston's emergency shelters</h3>
                <p class="dek">
                                            In the aftermath of Hurricane Harvey, Houston area shelters filled beyond capacity as flooding forced families from their homes
                                    </p>
            </figcaption></figure></a>
</div><p>Greisman further explained that government agents or FEMA representatives will never show up at your door to deliver financial aid. If someone says they're with the government and there to help &ndash; you just need to pay an upfront "application" fee -- it is a scam, she said. "That is not the government's method of doing business."</p><p>Also beware charities making appeals over social media, Greisman advised. The trade watchdog has identified a rash of new website domain registrations that have "Harvey" in the title. Authorities worry will be used to take advantage of hurricane victims and the people who aim to help them. </p><p>So-called phishing scams seeking to capitalize on the disaster involve thieves using email and social networks to send out bogus links <span class="link"><a href="https://www.cbsnews.com/news/hurricane-harvey-phishing-scams-cybercriminals/" data-invalid-url-rewritten-http="">soliciting aid for Harvey victims</a></span>. The links lead to phony websites where cybercriminals try to steal your credit card and personal info.&nbsp;</p><p>There are dozens of legitimate organizations already at work in Texas that are well-positioned to provide aid. Giving to these groups, which operate under the umbrella <a href="https://txvoad.communityos.org/cms/node/104">Texas Volunteer Organizations Active in Disaster</a>, is your best bet, according to a notice put out by FEMA.</p><figure class="embed embed--type-video embed--float-left embed--size-large " data-ads='{"wordCount":50}'><div class="embed__content-wrapper">
    <div class="embed__resizer"></div>
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</figure><link type="preload" as="document" href="https://www.cbsnews.com/amp/embed/video/?v=2d194f9795ea0261c13cae07220e6f7ab55c2362"><p>Officials expect more Harvey-related fraud in the coming months as recovery efforts get under way.</p><p>"This is not just an issue we're worried about for today and tomorrow," Greisman said. "This is going to go on for many, many months. Scammers will take advantage of how long the recovery is likely to take and come out with one after the next &ndash; government grant cons, charity appeals, you name it."</p><p>"We are urging people to be vigilant -- check out the charities they give money to. If someone from the government appears at your door, make sure to get their ID and check them out independently. And,if you see a scam, report it," she said. "This is a priority for us."</p><p>If you suspect fraud, call the FEMA Disaster Fraud Hotline toll free at (866) 720-5721. Also <a href="https://www.ftc.gov/complaint">report it to the FTC</a>. These reports help law enforcement agencies warn the public and catch con artists before they do additional damage.&nbsp;</p></div>
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Kathy Kristof, editor of <a href="http://KathyKristof.com">KathyKristof.com</a>, is an award-winning financial journalist and the author of <i><a href="http://www.amazon.com/Investing-101-Bloomberg-Kathy-Kristof/dp/1576603075/ref=sr_1_1?ie=UTF8&amp;qid=1321038564&amp;sr=8-1">Investing 101</a></i>.</p>
                    
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