Summary: In September 2022 Hurricane Ian, the fourth-largest storm in Florida's history, made landfall, with winds between 155 and 161 mph. Damages of over $112 billion ($109 billion of which were in Florida) gave Ian the dubious distinction of being the costliest storm in Florida's history. Spring 2023 wildfires in California resulted in some 3500 structure fires. And in August 2023 a wildfire destroyed the Maui (HI) town of Lahaina, resulting in an estimated $46 billion in property damage and business interruption loss.

Facing a loss is bad enough; the possibility of being the victim of fraud in the rebuilding process compounds the disaster. Following are some tips for the prudent to avoid being the target or a fraud or scam.

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