Attention: Dundalk Water Main Break Victims

By: Salina Greene, Outreach Coordinator, NHS of Baltimore

The unfortunate occurrence in Dundalk over the weekend has opened a new gateway for housing scams. Victims of this disaster are in need of hefty repairs and insurance assistance. Unfortunately, scam artists take situations such as these to capitalize upon the needs of the community. Remember to only deal with a licensed contractor. Proof can be shown through their home improvement license numbers on all their paperwork.

Another point of interest is not to pay more than one-third of the total contract price up front. Any initial pay above this is illegal in the state of Maryland. They know people can become desperate for help during an unexpected disaster. Not everyone has all the capital necessary to pay for costly repairs. In order to avoid a potential scam, the best sources to go to for information are the Baltimore City Office Help line: 410-685-0123 and The Maryland Insurance Administration (MIA): 410-468-2340.

In addition, here are some MIA tips associated with disaster recovery:

Make sure you understand and clarify with your insurance agent, what is covered and what is not.

Take as many photographs and video footage documentation as possible to assist your insurance agent with assessing the damaged areas.

If relocation is necessary, make sure the insurance company knows where to reach you.
Keep all your receipts for any emergency repairs and/or temporary living expenses.

Most importantly, if your insurance company denies any part of your claim due to a disaster, do not be discouraged, you may qualify to file for federal relief under the government’s disaster act.