Stormy Weather: Spring 2014 Hits Historic Mark

Spring has officially arrived. For those of us in the Midwest and Northeastern corridor who have endured a very long, cold, and snowy winter, spring usually signals the beginning of the end to shovels, coats, boots, and snow blowers. But for some sections of the U.S., spring signals the beginning of tornado season, a time when devastating storms can tragically claim lives and destroy everything in their paths within seconds.

According to a recent article published by the Weather Channel, Spring 2014 is turning out to be a record breaker. For what, you might ask? Number of rainy days? Number of above average temperatures? No. It’s neither of those. Spring 2014 is the longest fatality-free start in 99 years according to information obtained from the National Oceanic and Atmospheric Administration (NOAA) Storm Prediction Center which began a database in 1950 to maintain tornado records. This spring marks the first calendar year within the era of tracking of not having any tornado fatalities this late into the season. That is definitely good news.

StormyWeatherWhile we can only hope that this spring continues to be free of the catastrophic tornadoes that we have seen in years past, preparation is vital for survival. offers the below tips for how to prepare before a tornado hits:

  • Build an emergency kit and make a family communications plan.
  • Listen to NOAA Weather Radio or to commercial radio or television newscasts for the latest information. In any emergency, always listen to the instructions given by local emergency management officials.
  • Be alert to changing weather conditions. Look for approaching storms.
  • Look for the following danger signs:
    • Dark, often greenish sky
    • Large hail
    • A large, dark, low-lying cloud (particularly if rotating)
    • Loud roar, similar to a freight train
    • If you see approaching storms or any of the danger signs, be prepared to take shelter immediately.

After a storm, disaster victims also need to be on the lookout for dishonest and unscrupulous contractors. While it may seem unimaginable that anyone would try to take advantage of victims during such a vulnerable time, it can and does happen. The NICB offers the following tips to help avert being victimized twice.

  • Work with only licensed and insured contractors.
  • Get more than one estimate. Don’t be pushed into signing a contract right away.
  • Get everything in writing. Cost, work to be done, time schedule, guarantees, payment schedule and other expectations should be detailed.
  • Require references, and check them out.
  • Ask to see the salesperson’s driver’s license; write it down. Also, take down his or her license plate number.
  • Never sign a contract with blanks. Fraudulent contractors may enter unacceptable terms later.
  • Never pay a contractor in full or sign a completion certificate until the work is completed.
  • A catastrophe greatly magnifies the opportunity for fraud and abuse. Don’t be tempted to conspire in a fraudulent insurance claim. Insurance fraud is a felony.
  • Insurance coverage may be rendered void if there is misrepresentation by an insured.

For more information on preparing for tornadoes and other disasters, visit and For more information on how to avoid being victimized by disaster fraud and other types of fraudulent schemes, visit To report fraud of suspicious activities, call 1-800-TEL-NICB (835-6422).

Connect with us on our social networks!

Facebook-ButtonsLike us on Facebook

Twitter-ButtonsFollow us on Twitter

YouTubeButtonSubscribe to our YouTube channel

linkedin-buttonJoin us in our LinkedIn Discussion Forum or Company Page

NICB: Where Storms Hit Fraud Often Follows

For Unsolicited Repairs, If You Didn’t Request It — Reject It

Disaster-Brochure-CoverDES PLAINES, Ill., April 16, 2014 — As the traditional storm season approaches, the National Insurance Crime Bureau (NICB) and its nearly 1,100 member insurance companies are warning consumers to ensure that they have a disaster plan. By taking precautionary steps to ensure their personal safety, as well as to protect their property, people can greatly reduce the risk of injury. Having food and water sufficient for your family’s needs for at least three days is recommended, as is having a battery-powered or hand-crank weather radio.

While personal survival from a storm or other natural disaster is paramount, consideration must also be given to surviving one financially if your home is damaged or destroyed, and that is most effectively provided through insurance. However, many times disaster victims fall prey to predatory and fraudulent repair scams perpetrated by individuals looking for a fast buck, usually at a victim’s expense.

Read the full press release.

Watch the video.

Life After Sandy

Hurricane Sandy has passed, but it will undoubtedly be remembered for years to come as one of the most devastating hurricanes in
history. Reports indicate that it has claimed the lives of 71 people in the U.S. and elsewhere. That number may climb as flood waters recede and clean up begins. Millions are still without power. Countless others have been
left homeless and displaced. Although efforts are already underway in some communities to restore roadways, bridges and infrastructures that were impacted, it may be several months or longer before some areas are able to fully recover. In the meantime, FEMA is providing emergency federal aid for areas affected by the disaster, and humanitarian agencies such as the American Red Cross and Salvation Army are also supporting Disaster Relief efforts.

Many of us across the nation and around the world have probably seen photos and videos of the trail of damage that Sandy left in its path up the Caribbean and along the Northeast corridor of the U.S. And while much attention and focus have been given to the strength of the storm, the true story of this disaster will be the strength and resilience of the people who will begin to rebuild their lives in the days ahead.

While no one can prevent a storm of this nature from occurring, we can help to protect
the public from unscrupulous scam artists who will follow in its wake. It may be unfathomable to think that someone would take advantage of others under such tragic circumstances, but sadly it can occur.

Losing your home, vehicle and other belongings in a hurricane, flood, earthquake, or tornado can be devastating. Although these losses may pose significant emotional distress and financial hardships for you, they present opportunities for dishonest contractors and others to take advantage for financial gain.

If you or someone you know has been impacted by Hurricane Sandy or any other disaster, don’t be victimized twice. Learn how to protect yourself by following these helpful tips from the NICB.