1099 NL onlyA Personal Insurance Update We have just witnessed hurricane Harvey, one of the worst disasters in American history.  However, we have also seen some great acts of kindness to people in need during the past weeks.  Unfortunately, fraud increases also during these events, taking advantage of people in need.  As people are looking for help re-building, there will be those who will attempt to take advantage of the situation.  If you are recovering from a disaster, here are some things to think about: Prevent Contractor Scams
  • Make sure all contractors are licensed and insured.
  • Check with your insurer to see if the contractor has provided work for them in the past.
  • Never pay in cash.
  • Always ask for a quote in writing.
  • If you must, only pay a small amount up front, but also use a credit card so you can challenge payment if needed.
  • Get referrals and check references.
  • Never sign a blank agreement.
  • Make sure the contractor is licensed in Texas.
Insurance Scams Some people have already received fraudulent computer calls saying their home insurance has been cancelled and they need to make immediate payment by credit card.  Also, be aware of people who say they are adjusters representing your insurance company and you need to pay your deductible now in order to have your claims covered.  Call our office if you have any questions regarding your claims. Charity Scams Many scammers are out asking you to donate money to their charity. Make sure you donate to legitimate organizations.  Donate money to charities you know, such as The Red Cross or your local church. Since your home is your most valuable asset, you need homeowners insurance. It gives you financial protection if something unexpected happens to your home, theft, fire, a natural disaster, or other loss. At J.S. Edwards & Sherlock, we offer a wide variety of homeowners insurance plans that are custom designed to suit your needs. The result is an individualized policy that gives you the peace of mind and protection you need.