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**Summary:** This educational piece from the Better Business Bureau provides guidance on avoiding contractor scams during storm damage repairs. The article emphasizes the importance of vetting contractors and taking precautions when hiring someone to work on storm-damaged homes, a vulnerable period when fraudsters often target homeowners needing urgent repairs.

**Article:** U.S. Department of Justice - Elder Fraud Overview Millions of elderly Americans lose over $3 billion annually to financial fraud schemes including romance, tech support, grandparent, government impersonation, sweepstakes, home repair, and caregiver scams. Seniors are frequently targeted because they tend to be trusting, have savings and good credit, and are often reluctant to report fraud due to shame or concerns about losing independence. The DOJ recommends protection strategies including recognizing scam attempts, verifying contact information online, resisting pressure to act quickly, avoiding unsolicited offers, never sharing personal information with unverified sources, maintaining updated security

Home improvement scams disproportionately target older adults and can cost homeowners thousands of dollars through shoddy workmanship, unfinished projects, or property damage. To protect against contractor fraud, homeowners should obtain multiple estimates and references, avoid paying full costs upfront, and proactively seek reputable contractors rather than responding to unsolicited solicitations. Those who suspect fraud can report it to local law enforcement or contact the AARP Fraud Watch Network at 877-908-3360.

This AARP educational article outlines three major scams targeting homeowners and consumers, particularly older adults: contractor fraud involving upfront payment demands and shoddy work; digital package delivery scams using fake text messages from shipping companies to steal personal information and payment details (which cost Americans $330 million in 2022); and Medicare scams including false billing for unreceived services, fraudulent "free" product offers, and genetic testing schemes designed to obtain Medicare numbers. The article recommends getting multiple contractor estimates, avoiding upfront payments, ignoring unsolicited messages, verifying package issues directly with retailers, and carefully reviewing Medicare statements while protecting Medicare numbers from unauthorized parties.

A Florida opinion piece highlights the prevalence of elder fraud targeting Space Coast seniors, featuring the case of 80-year-old Judy Kirk who nearly fell victim to a tech support scam demanding $25,000. According to FBI data, seniors over 60 lost $3.4 billion to fraud in 2023, with Florida ranking second nationally; common scams affecting state residents include tech support, investment, romance, gift card, and roofing schemes. The article emphasizes that while Kirk avoided financial loss by sensing something wrong at the last moment, many of her peers were successfully scammed, underscoring the need for elder awareness and vigilance.

The City and Borough of Sitka lost over $60,000 when a cyber scammer intercepted a contractor payment by submitting a fraudulent banking information change request that city staff approved. Of the $62,795 transferred to the scammer's account, only $4,000 has been recovered; the city chose not to file an insurance claim and paid the contractor directly instead. This incident mirrors a similar attack on Ketchikan Gateway Borough, which lost $625,000 to the same type of scam involving fake vendor account fraud.

A 64-year-old Memphis-area woman lost nearly $70,000 and her home became uninhabitable after hiring an unlicensed contractor in 2021 who took a $67,500 deposit, began demolition in January 2022, then disappeared with minimal contact or progress. The state contractors board confirmed the man was not licensed despite providing false credentials, and experts warn consumers to verify contractor licenses independently through official channels rather than relying on claims or online reviews.

A 37-year-old Chinese man was trafficked to a compound in Myanmar under the guise of a theater job, where he was forced to conduct "pig butchering" cryptocurrency scams targeting Chinese and European victims by posing as romantic interests and soliciting increasingly large amounts of crypto currency in exchange for promised investment returns. The forced scam operations emerged from Chinese-run illegal economic zones that originated as money laundering and gambling operations in Southeast Asia, and according to a University of Texas study, such scams have stolen approximately $75 billion worldwide. The scammer himself became a victim of human trafficking after COVID-19 disrupted traditional gambling operations and led criminal syndicates to resort to

The FBI's Internet Crime Complaint Center reported a 14% increase in elder fraud complaints in 2023, with financial losses exceeding $3.4 billion and an average victim loss of $33,915. Over 101,000 seniors aged 60+ reported fraud to IC3, with investment scams, tech support scams, and romance scams being among the most common schemes, while cryptocurrency scams affected over 12,000 seniors. The report notes that actual fraud rates are likely higher due to underreporting, and scammers are increasingly using artificial intelligence to create convincing deepfakes and chatbots to target elderly victims.

A 37-year-old Chinese man named Xu Bochun was trafficked to a compound in Myanmar operated by a Chinese conglomerate, where he was forced to conduct "pig butchering" cryptocurrency scams targeting Chinese and European victims via fake social media accounts. Xu and approximately 90 other captives were coerced to solicit victims to send increasing amounts of cryptocurrency (USDT/Tether) under false promises of investment returns, with threats of sale to violent cartels for failure to meet quotas. This scam operation emerged from Chinese-run illegal casinos and gambling zones in Southeast Asia that, facing labor shortages during COVID-19, shifted to

Australia's banks reported a 13 percent decrease in scam losses in 2023, dropping approximately $400 million to $2.7 billion total, despite an 18.5 percent increase in scam reports, according to the National Anti-Scam Centre's report. The Australian Banking Association credited collective efforts from government, banks, telecommunications companies, and other industries for the progress, highlighting the industry's Scam-Safe Accord which includes a $100 million investment in confirmation of payee systems, biometric security checks, enhanced payment warnings, and improved intelligence sharing to combat scams. Banks are actively blocking transfers to fraudulent accounts and crypto exchanges while advocating for mandatory scams codes

The Better Business Bureau reports an increase in door-to-door sales calls for services like paving, security alarms, and magazine subscriptions, warning that while many salespeople are legitimate, others use high-pressure tactics to make quick sales. The BBB recommends consumers verify licensing and identity, check company legitimacy, carefully review contracts, be aware of recurring subscription costs, know their three-day cancellation rights under FTC rules, and refuse entry or contact police if salespeople become aggressive.

Following the August Maui wildfires, residents rebuilding their homes face increased risk from fraudulent contractors who exploit disaster survivors' vulnerability through high-pressure sales tactics, fake discounts, and promises of quick completion. A retired San Diego prosecutor warned that post-disaster scams are common and sophisticated, often involving organized crime rings using cryptocurrency payments, and advised victims to obtain multiple quotes, verify contractor licenses, avoid cash payments, and reject time-limited offers. Key warning signs include pressure tactics, unsolicited contact, and claims of special discounts or fake home inspections.

A Las Vegas man exposed a home service scam in which a man posing as an HVAC technician arrived in an unmarked van, claimed his 10-year-old AC unit needed replacement, and offered a $40,000 credit line—a ruse the victim avoided by seeking a second opinion from a trusted company. The scammers impersonated legitimate Nevada energy and air conditioning companies, and authorities believe multiple homeowners were targeted with the same scheme. Victims are advised to request identification, never share personal information over the phone, and report suspicious activity to police or the FTC.

"Senior Savvy: A Comprehensive Guide to Avoiding Scams," authored by retired investment advisor Andy LaPointe, is an educational resource designed to help seniors recognize and avoid fraud targeting them both online and offline. The guide covers scam types ranging from door-to-door schemes to cryptocurrency fraud, and provides practical advice on internet safety, password creation, phishing recognition, and steps for reporting fraud and recovery. Bulk purchase discounts are available for organizations seeking to use the book as an educational tool for community workshops and seminars.

An EF-1 tornado that struck Windham, Ohio on April 17 damaged 34 homes, destroying 5 and causing major or minor damage to the others. At a public meeting, officials warned residents to be aware of contractor scams targeting elderly residents and those with cash on hand, advising them not to pay contractors upfront and to verify their insurance coverage. Relief efforts included donations from local businesses and organizations, with volunteers and community support helping residents clear debris while insurance adjusters worked through backlog caused by 43 tornadoes across Ohio since January.

A Dedham senior was defrauded by someone posing as a contractor who collected significant payments for substandard and incomplete work. The Dedham Police Department issued a community warning advising residents to research contractors thoroughly, verify proper ID cards (required by law for solicitors), avoid high-pressure sales tactics, and contact police if they encounter suspicious solicitation or demands for immediate payment or personal information.

Police departments in Grant County are warning residents about door-to-door home improvement scams that surge during warmer months, where fraudsters pose as contractors offering discounted paving or tree trimming services using leftover materials or available time. These scammers typically deliver substandard work at inflated prices and demand cash payment upfront to avoid traceable transactions, making it impossible for victims to dispute or cancel payment afterward. Homeowners should verify contractors are licensed and bonded, check for permanent business addresses, request non-cash payment methods, and report suspicious solicitation to local law enforcement, with particular attention paid to warning elderly neighbors who are more vulnerable to these schemes.

Multiple residents in Bancroft, Ontario fell victim to a driveway paving scam in which a man solicited work door-to-door, collected advance payments ($3,000 in one case), and disappeared after dumping gravel but never completing the asphalt work. Ontario Provincial Police launched an investigation after identifying connections between several incidents in the area and similar scams reported in Prince Edward County and Belleville, warning homeowners never to pay in advance and to be wary of unmarked vehicles and door-to-door solicitations.

The Montgomery County Office of Consumer Protection warns homeowners about unlicensed driveway-paving scammers who typically target residents in spring, using tactics like unsolicited offers, pressure for cash deposits, and claims of leftover materials to defraud victims. These scammers either abandon projects midway, leave properties damaged, or complete substandard work at inflated prices with no warranty protection, potentially resulting in civil or criminal charges including fraud and property destruction. Homeowners should verify contractors have a Maryland Home Improvement Commission (MHIC) license, obtain written contracts, and avoid cash-only deals or unsolicited offers with pressure for quick decisions.

This is an educational podcast series covering consumer protection topics rather than a specific fraud or elder abuse incident. Key episodes address red flags in standard contracts, risks associated with rewards credit cards that can lead to debt, vehicle recalls affecting safety, and credit denial trends affecting consumers. The podcast provides advice on identifying problematic contract clauses, understanding credit card pitfalls, and navigating consumer financial decisions.

Following severe weather in Ohio, scammers have increased repair fraud targeting affected residents by demanding upfront payments and then either failing to return, abandoning projects, or delivering poor work. The Ohio Emergency Management Agency recommends verifying contractor licensing through the Better Business Bureau, requesting business information, and being wary of pressure to pay immediately, as these are common scam tactics.

Following severe weather in Ohio on April 2 and March 14, the Ohio Emergency Management Agency issued a warning about home repair scams targeting residents seeking to repair storm damage. Scammers pose as contractors, pressuring homeowners for upfront payments and promising immediate work, then either failing to return, abandoning jobs, or delivering poor workmanship. The agency advises residents to verify contractor licensing, request business cards, and avoid contractors who pressure quick decisions.

**Type:** Educational/Awareness - Home Improvement Contractor Scams Home improvement contractors use various tactics to defraud homeowners, including offering artificially low prices, claiming to have leftover supplies from nearby jobs, and pressuring customers into upfront payments before delivering substandard or no work. To protect yourself, avoid cash-only deals and high-pressure tactics, verify contractor licensing and insurance, request written contracts with detailed terms, check references through the Better Business Bureau, and work only with local, properly identified businesses.

According to a Valley First branch manager, fraud is a growing threat in Canada, with common scams including investment, grandparent, tech support, romance, and spoofing schemes. In 2023, Canada recorded over 62,000 fraud reports affecting more than 41,000 victims with losses exceeding $554 million, though actual figures are likely higher due to underreporting. Protection strategies include maintaining updated antivirus software, enabling multi-factor authentication, using complex passwords, setting up banking alerts, and avoiding sharing personal information or upfront fees.

A senior citizen in midtown Toronto fell victim to an alleged door-to-door roofing scam where two men initially quoted $4,700 in repairs, then claimed to discover extensive damage and demanded $80,000-$150,000, eventually abandoning the job after he couldn't produce the cash. The scammers left his roof with a large hole that caused significant water damage to his home during a subsequent rainstorm, with the damage requiring costly repairs even though no money was extracted from the victim.

The Botetourt County Sheriff's Office warned residents about traveling door-to-door home improvement scams involving driveway paving, sealing, and barn roof painting, typically perpetrated by groups from South Carolina and Georgia who target elderly homeowners with diluted, poor-quality materials and low prices. The scammers often work in groups to distract homeowners while stealing valuables, and investigators recommend only hiring contractors you know or have researched, verifying solicitor permits, and never allowing unsupervised access to your home.

Spring's busy home-buying and home-improvement season creates opportunities for scammers to target homeowners through three main schemes: fake wire transfer requests impersonating lenders or realtors to intercept down payments and closing costs, fraudulent home warranty solicitations claiming policies are expiring or offering fake coverage, and home improvement scams. Homeowners can protect themselves by verifying payment instructions directly with lenders through known phone numbers, avoiding high-pressure tactics, using certified checks when possible, and purchasing warranties only from legitimate companies verified through Consumer Reports or trusted referrals.

Spring's increased home buying and selling activity creates opportunities for scammers to exploit homebuyers and sellers through fake wire transfer requests, impersonation of lenders and realtors, and fraudulent home warranty solicitations. Consumers are advised to verify payment instructions directly with their lender or agent using known phone numbers, avoid wire transfers under pressure, consider certified checks as alternatives, and research home warranty companies through trusted sources like Consumer Reports before making any payments.

This editorial highlights the persistent threat of fraud despite increased public awareness, noting that scammers continue to successfully target victims using various tactics. The piece details specific current scams including CRA tax refund text messages and follow-up BC Hydro impersonation calls, and one woman nearly lost access to her bank account before recognizing red flags. The editor advises readers to verify claims through official government websites, remain skeptical of unsolicited offers, and remember that "if it's too good to be true, it probably is."

This article outlines three spring scams targeting homeowners: fake wire transfer requests from scammers impersonating lenders or realtors during home closings (which are difficult to reverse once sent), fraudulent home warranty solicitations claiming coverage is expiring or expired, and scams involving fake home cleaning or lawn service companies. The article advises homeowners to verify payment instructions directly with lenders using known phone numbers, avoid high-pressure urgency tactics, and confirm legitimacy of companies through official websites and trusted reviews before engaging services or sending money.

The Better Business Bureau warns homeowners to be cautious when hiring home improvement contractors, particularly after natural disasters, as scammers use tactics such as door-to-door solicitation, low-price offers, and claims of leftover supplies to secure upfront payments before abandoning jobs or delivering substandard work. Red flags include cash-only deals, high-pressure sales, lack of contracts, and unsolicited contact, especially from "storm chasers" following weather events. Homeowners should verify references, obtain written contracts with detailed terms, confirm proper licensing and insurance, and work with established local businesses to avoid losing money to fraudulent contractors.

Scammers impersonating FTC agents are stealing an average of $7,000 per victim in 2024, more than double the $3,000 average from 2019, according to FTC warnings. The scheme typically involves fraudsters posing as government agents who pressure victims to move money to protect their accounts, often directing them to withdraw cash, purchase cryptocurrency or gold, or transfer funds—tactics the FTC explicitly states it never employs. The FTC received 228,282 complaints about government impersonation scams in 2023, highlighting a broader fraud crisis that cost Americans $10 billion in losses last year.

Over 100 Sun City residents attended a March 20 scam prevention seminar hosted by Chase Bank and the Maricopa County Sheriff's Office, where officials reported that fraud and scams are rising nationally and particularly in retirement communities. Maricopa County Sheriff's Office Captain Brian Stutsman noted that Arizona ranked 10th nationally for fraud in 2022, with losses reaching over $10 billion in 2023, and that a nine-month period in the Sun Cities resulted in $2.7 million in losses, though actual figures are likely higher due to underreporting caused by shame and embarrassment.

Older adults in Modesto lost thousands of dollars to fraud in 2022, with the Federal Trade Commission reporting a 30% increase in fraud losses nationwide and 3,500 reported incidents in the county. Three prevalent scams targeting seniors locally are romance scams (exploiting social isolation), banking scams (where fraudsters pose as bank IT to gain phone access), and solar scams (linked to the unregulated PACE program). The average loss for victims age 80 and over is $1,500, more than six times the average loss for younger victims, with scammers specifically targeting vulnerable populations including the recently widowed, lonely, or isolated.

Fraud losses among Maine seniors have surged dramatically, increasing from $2 million in 2021 to $12.7 million in 2022, with tech support scams being among the most common threats to the state's aging population. One Maine senior fell victim to a tech support imposter scam involving malicious popups claiming she had a virus, which prompted her to call a fraudulent number where scammers attempted to access her savings account information. Experts emphasize that education and awareness are critical to protecting Maine's elderly residents, who represent the nation's oldest state population and face heightened vulnerability to fraud schemes.

Maine seniors lost $12.7 million to fraud in 2022, a dramatic increase from $2 million in 2021, according to FBI data. One victim fell prey to a tech support scam involving fake virus warning popups that prompted her to call scammers who attempted to access her savings account information. Experts emphasize that education and community awareness are critical tools in combating fraud targeting Maine's elderly population, the oldest in the nation.

Maine seniors lost $12.7 million to fraud in 2022, a dramatic increase from $2 million in 2021, with victims over 60 nationwide experiencing skyrocketing losses according to FBI data. One Maine senior fell victim to a tech support scam involving deceptive popups claiming she had a virus and requesting access to her savings account information. Experts emphasize that education and awareness are critical to protecting Maine's aging population, the oldest in the nation, from increasingly prevalent fraud schemes.

Susan Duncan lost $30,000 to a roofing scam contractor in Henderson, Texas, after paying upfront for roof replacement work on her home and her late mother's property in summer 2023. The company, Scope, repeatedly delayed the project with weather-related excuses until Duncan discovered an eviction notice on their office door in October 2023, revealing the fraud. A local roofing company later completed the work for free, and the Better Business Bureau advises consumers to obtain multiple estimates, verify licensing, avoid full upfront payments, and use the payment-by-thirds method to protect against similar contractor scams.

Fairfax County, Virginia police warned residents about seasonal driveway-paving scams that typically emerge in spring, where unlicensed contractors solicit door-to-door, collect deposits under false urgency, and either fail to complete work or abandon jobs, leaving homeowners out money and with damaged property. The department recommends verifying contractors have valid solicitor's licenses, obtaining multiple quotes, researching businesses online, and reporting unlicensed solicitors to police.

During Consumer Protection Awareness Week, the Federal Trade Commission cautioned that post-storm roofing scams are prevalent, with fly-by-night contractors going door-to-door offering suspicious low-price inspections and repairs. To protect yourself, obtain all contractor details in writing including warranties and materials, verify insurance coverage, check online reviews and Better Business Bureau listings, and avoid paying the full amount until work is completed. Hiring established local roofers is recommended as the most effective way to avoid storm-related contractor fraud.

In 2023, Illinois Attorney General Kwame Raoul identified the top consumer scams affecting state residents, with construction/home repair fraud leading for the third consecutive year (2,091 reports), followed by identity theft (1,885 reports) and consumer debt complaints (1,683 reports). The Consumer Fraud Bureau recovered over $9 million through mediation and $76 million through enforcement actions, and the office received nearly 20,000 written complaints plus tens of thousands of calls. The attorney general recommends residents protect themselves by guarding personal information, changing passwords frequently, and being cautious of unsolicited communications, especially as scammers increasingly use AI technology.

Boston police warn of increased home improvement scams targeting residents as spring weather approaches, often perpetrated by international travelers offering cheap initial quotes before claiming additional damage requiring thousands in repairs. Massachusetts residents lost nearly $30,000 to these scams in 2021, with seniors particularly targeted; scammers typically use generic business names, lack proper licensing, and operate without city permits. Homeowners should obtain multiple estimates from verified contractors and report suspected scams to local police with detailed information about the perpetrators.

Puerto Rico's Cossec (Cooperatives Supervision & Insurance Corp.) launched financial education initiatives to help elderly residents recognize and avoid financial exploitation, emphasizing preventive measures such as protecting personal information, monitoring account activity, and contacting credit unions directly about suspicious transactions. The organization highlighted that credit unions have protocols in place to assist vulnerable elderly populations and stressed the importance of institutions complying with Puerto Rico's 2010 regulation (amended in 2022) requiring detection and prevention procedures for elder financial abuse. Exploitation cases involving elderly adults—perpetrated by family members, caregivers, financial advisers, or scammers—can result in significant financial losses and are addressed through institution notification requirements and law enforcement

This educational piece describes the widespread "scam-demic" of computer fraud, emphasizing that intelligent, trusting people fall victim to scams daily through sophisticated social engineering rather than technical hacking. Common scams include fake refund/receipt emails (impersonating companies like Amazon) and fraudulent tech support calls (posing as HP, Microsoft, or other companies), where scammers trick victims into providing financial information or remote computer access. The author stresses that scammers succeed by manipulating human psychology rather than exploiting computer security, comparing their tactics to convincing someone to unlock their front door rather than picking the lock.

In 2023, Chippewa County experienced a dramatic increase in fraud, with 212 residents losing over $1.19 million—nearly double the 111 victims and $791,000 lost in 2022. Contrary to past assumptions, victims now span all age groups, with younger people (18-24) falling victim more frequently than seniors. One case involved Lisa Stalson, who lost over $3,000 to a rental scam on Facebook after paying fees to a fraudulent property agent named "Tanya's Property."

This was an educational webinar hosted by the Canadian Bar Association's Elder Law Section on April 16, 2024, addressing scams and frauds targeting older adults across Canada, including grandparent schemes, mortgage lending fraud, and door-to-door HVAC scams. The session featured presentations from police, advocacy organizations, and estate litigation lawyers on criminal justice responses, legal support for victims, and the increasing use of equitable relief and unconscionability doctrines in predatory lending cases.

Financial advice columnist Charlotte Cowles lost $50,000 to a sophisticated phone scam in which callers impersonated Amazon, the Federal Trade Commission, and the CIA, using personal information to convince her to withdraw cash and hand it to an undercover "CIA agent." The scammers obtained her Social Security number and family details, and instructed her not to tell anyone, ultimately leading her to place $50,000 in a shoebox and hand it through a car window. Cowles publicly shared her experience to raise awareness about how scams can target anyone, regardless of financial literacy or expertise, and to help prevent others from falling victim to similar schemes.

Minnesota Attorney General Keith Ellison filed lawsuits against two unlicensed contractors—Earl Christian Rode IV/High Road Builders and Ryan David Pietron/Affordable Home Remodeling—who defrauded at least 26 Minnesota families out of approximately $1.6 million by accepting large pre-payments for home renovation work they never completed or started, while falsely claiming to be licensed contractors. Both defendants are now banned from obtaining contractor licenses (Pietron until 2030, Rode for life), and one victim was forced to demolish their childhood home after the contractor abandoned a repair job, leaving it exposed to winter weather.

This is an event announcement rather than an article about a specific scam or fraud case. It describes an upcoming consumer protection workshop scheduled for October 29th featuring State Senator Dr. Aisha Wahab, Newark Police, the Contractors State License Board, and the California Privacy Protection Agency, designed to educate attendees on scam prevention, safety resources, and support services available from state agencies.