How private investigators can help prevent property and contractor fraud after a disaster in North Carolina

Picking up the pieces after a disaster is never easy. Even nearly a year after Hurricane Helene struck North Carolina, many individuals and families are still navigating the long and difficult process of rebuilding. Between managing insurance claims, coordinating repairs, and trying to identify trustworthy contractors, the recovery period can feel exhausting and uncertain. Unfortunately, it also continues to be a high-risk window for fraud.

Recognizing the continued threat to property owners and communities during this prolonged recovery phase, North Carolina Attorney General Jeff Jackson recently launched the Safe to Rebuild initiative in April of 2025. This initiative was introduced to combat the rise in scams and fraudulent activities targeting residents as they work to rebuild after Hurricane Helene and other recent events.

Whether you're a local resident managing repairs, a small business owner trying to get back on your feet, or someone overseeing property from a distance, it's important to stay informed and take steps to protect yourself from potential fraud. Knowing what to watch for can make a meaningful difference as you navigate the recovery process.

To help you navigate this vulnerable period, this post reveals the most prevalent disaster recovery scams and arms you with essential prevention tactics, enabling you to safeguard your property, secure your finances, and rebuild with lasting peace of mind.

Understanding post-disaster fraud

Disasters create urgency, stress, and uncertainty—conditions that can make even the most careful person more vulnerable to fraud. When you're juggling repairs, paperwork, and trying to get life back on track, it's incredibly frustrating to realize you also have to watch out for dishonest people trying to take advantage. Scammers know that homeowners and business owners are eager to rebuild quickly and may not have the time or resources to thoroughly vet every contractor or claim.

Here are some of the most common types of fraud that tend to surface in the wake of hurricanes and other natural disasters:

Unlicensed or impersonating contractors

Fraudulent contractors may claim to be licensed, insured, and qualified—but provide substandard work or disappear with your money entirely. Some may even use the name of a legitimate company to gain trust.

Doing a bit of research up front can help you avoid costly mistakes. A few minutes of verification may save months of repair and frustration.

Title and property deed fraud

Bad actors may attempt to forge documents or manipulate public records to claim ownership of property that isn’t theirs. This can be especially concerning for vacant properties or homes owned by out-of-state residents.

Keeping an eye on your property records and acting quickly if anything looks unfamiliar can help prevent bigger issues down the line.

Insurance scams and inflated claims

Some individuals may pose as insurance adjusters or offer to “help” with your claim—only to submit inflated estimates or steal personal information. Others may bill you for services never rendered.

When in doubt, contact your insurance provider directly before agreeing to third-party assistance or sharing sensitive details.

Predatory tactics targeting seniors and absentee owners

Scammers often target elderly homeowners or people managing properties from afar, assuming they are less likely to question shady tactics or spot red flags.

Being proactive and checking in regularly—whether it’s with loved ones or professional help—can offer a layer of protection for those who might otherwise be more vulnerable.

What you can do to protect yourself

While it’s impossible to eliminate every risk, there are practical steps you can take to protect your property, finances, and peace of mind during the rebuilding process:

• Verify licenses and insurance: Always confirm that contractors are licensed through the North Carolina Licensing Board for General Contractors. Ask for proof of insurance and check references.
  
  
• Avoid cash deals or rushed agreements: Reputable contractors won’t pressure you into same-day decisions. Take your time to review contracts carefully.
  
  
• Monitor property records: If you’ve left your property unattended, periodically check local land records to ensure no changes have been made without your knowledge.
  
  
• Be cautious with personal information: Don’t give out Social Security numbers or insurance policy details unless you’re certain the recipient is legitimate.
  
  
• Request written documentation: Always get estimates, contracts, and receipts in writing—and keep copies of everything.
  
  

Even when time is short and the to-do list feels endless, setting aside a few moments for these checks can go a long way. It’s a small investment that helps safeguard your finances, protect your property, and give you a greater sense of control in an otherwise uncertain process.

Who to turn to for help

If something feels off or you suspect fraud, don’t wait to act. There are several reliable resources in North Carolina that can help:

• North Carolina Department of Justice – Report scams and access resources through the Attorney General’s office.
  
  
• Local law enforcement – Especially in cases involving theft, trespassing, or impersonation.
  
  
• State and local licensing boards – Confirm the legitimacy of contractors and file complaints.
  
  
• Insurance fraud hotlines – Many insurance providers have dedicated teams to investigate suspicious claims or behavior.
  
  
• Private investigators – When you need help verifying claims, monitoring properties, or gathering documentation, a licensed investigator can offer discreet and detailed support.

Knowing who to contact and having a plan in place can help you respond quickly if something doesn’t seem right.

Stay vigilant and protect your peace of mind during recovery

Disasters can leave more than physical damage in their wake—they can also expose you to predatory behavior at a time when you're most vulnerable. It's frustrating and disheartening to think that in the middle of such a challenging time, there are people willing to take advantage of others' hardship. The fact that you have to worry about protecting yourself while you're still recovering is unfair—and it's okay to feel angry or overwhelmed by that reality. But you don’t have to face it alone. Whether you’re still evaluating contractors, checking property records, or suspect something isn’t right, taking proactive steps now can protect you from serious headaches later.

If you’re looking for additional support or need help investigating potential fraud, Davis & Forest Investigative Group offers confidential, experienced guidance for North Carolina residents navigating the rebuilding process. Reach out today to learn how we can help you move forward with confidence.