The Calm After the Storm Can Attract Chaos

When severe weather hits, communities come together to clean up, rebuild, and support each other. Unfortunately, this is also when scammers—often called “storm chasers”—move in, looking to take advantage of those in distress.

At Ozark Federal Credit Union, your safety—financial and otherwise—is our top priority. So let’s talk about how to recognize and avoid these scams.

What Are Storm Chasers?

Storm chasers are opportunistic fraudsters or shady contractors who travel to areas hit by natural disasters. They often show up at your door, promise quick repairs or clean-up services, and ask for money upfront. Some disappear with your cash. Others do the work—but it’s rushed, substandard, or even damaging.

🚩 5 Warning Signs of a Storm Chaser Scam

1. Demands for Full Payment Upfront
If a contractor insists on full payment—or a large deposit—before lifting a finger, that’s a major red flag. Reputable companies typically offer payment plans or accept partial payments after work begins.

2. Pressure to Act Immediately
High-pressure tactics like “I can only do this today” or “You’ll miss your window if you wait” are classic scammer strategies. Don’t let urgency override caution.

3. “Let Me Handle Your Insurance”
Only you or your insurance provider should determine coverage. Never trust a contractor to explain your policy. Always call your insurer directly.

4. No License? No Deal.
Always verify that a contractor is licensed, insured, and has positive reviews on trusted sites like the Better Business Bureau. Fly-by-night contractors may vanish once paid.

5. They Came to You
While not all unsolicited contractors are scammers, it’s smart to be skeptical of anyone who shows up uninvited, especially after a major storm. If you're unsure—don’t engage.

💡 Smart Ways to Stay Protected

• Contact your insurance company directly before hiring anyone.
• Ask for references—and call them.
• Search their name + “scam” or “complaint” online.
• Get everything in writing, including estimates and timelines.
• Never pay in full upfront. A small deposit is standard; more than 50% is a red flag.

OFCU is Here to Help

If you suspect fraud—or just want a second opinion—we’re here for you. Whether it’s reviewing charges on your account or helping you stay alert to the latest scams, Ozark Federal Credit Union has your back.

🔗 Report suspicious charges
📱 Use our mobile app to monitor your accounts 24/7
💳 Activate card controls to lock your card instantly if needed