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Natural disasters don’t just leave behind physical destruction—they also create the perfect storm for scammers to strike. A recent study from Instant Roofer reveals that most disaster-displaced homeowners become targets of scams within a month of losing their homes, and sadly, Louisiana homeowners are targeted the most often.
According to the study, 62% of homeowners reported scam activity after being displaced. Even more concerning, 42% described the scam attempts as frequent, while 26% reported experiencing a moderate amount of scams. Only 32% said they encountered just a few.
“Post-disaster scams aren’t limited to shady contractors,” said Jacob Petrosky, founder of Instant Roofer. “People also fall victim to fake FEMA representatives, fraudulent charities, or identity theft scams involving phony relief applications and utility shutoff threats.”
Petrosky warns: “If someone calls asking for personal information, hang up and contact the official number of the company or agency they claim to represent.”
Texas, Louisiana, and Florida lead the nation in disaster displacement, with Louisiana reporting scam activity rates of 80%—well above the national average of 62%. Surprisingly, New York and Michigan topped the chart when it comes to the percentage of victims targeted by scams, with 90% of displaced New Yorkers and 84% of Michigan residents reporting scam attempts.
Petrosky shared critical tips to help homeowners avoid falling prey to post-disaster scams:
The study also highlights a major vulnerability: over 13% of U.S. homes—more than 11 million—are uninsured, and in Louisiana, that rate is even worse, with 21.1% of homeowners lacking insurance coverage. In a disaster-prone region like the Gulf Coast, this puts families at serious financial risk.
“For most people, your home is your most important investment,” said Rob Bhatt, a licensed insurance agent and home insurance expert at LendingTree. “It’s important to protect that investment with insurance.”
But Bhatt also pointed out a growing problem: “Insurance has become more expensive and harder to get in recent years. A major disaster like a hurricane or tropical storm could leave a lot of people without enough resources to rebuild their homes. This could have tremendous consequences—not just for the individuals affected, but for entire communities.”
The Bottom Line:
If you live in a disaster-prone area, be vigilant in the aftermath of a storm. Scammers move fast—and they target people when they’re most vulnerable. Do your homework, trust your instincts, and when in doubt, verify.