Monthly Archives: July 2024

Small Business Flood Relief Resources and Action Steps

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Update August, 20, 2024: “FEMA announced that federal disaster assistance is available to the state of Vermont to supplement recovery efforts in the areas affected by severe storm, flooding, landslides and mudslides from July 9-11, 2024” (https://www.fema.gov/press-release/20240820/president-joseph-r-biden-jr-approves-major-disaster-declaration-vermont).

As businesses rebuild what was lost and purchase new items after the floods, we urge businesses to engage trusted contacts to help consider the next steps and to help make informed decisions. Businesses with concerns can reach out to the Attorney General’s Consumer Assistance Program (CAP) for help. Vermont businesses are covered by our state’s consumer protection law and CAP is a helpful resource available to businesses. CAP’s Small Business Advocate can assist businesses with any questions relating to consumer purchases and consumer complaint mediation.

Small business flood relief: Resources and action steps. Document everything, apply for relief, beware of scams. ago.vermont.gov/cap

First and foremost, businesses must document everything. Take pictures and write down all actions you are taking. This step will be integral in applying for relief and insurance claims down the road.

Making Repairs to your Business:

Below are a few tips to follow before making changes to your business as you repair and rebuild what was damaged in the flood.

  1. Contact your insurance company as soon as possible and do not make any permanent changes to your business until you get approval from your insurance company.
  2. Beware of dubious contractors that may appear with promises to restore damages immediately in exchange for immediate payment. Never pay in full upfront for a commercial project. Make sure you have a contract. Before working with a contractor, always check the Attorney General’s Home Improvement Fraud Registry and residential contractor registration status with the Office of Professional Regulation in the Vermont Secretary of State’s office.
  3. Contact the Consumer Assistance Program by phone at (800) 649-2424 or by email at ago.smallbusiness@vermont.gov for questions relating to hiring a commercial contractor.

Legal Assistance:

Small businesses may also need the advice or services of an attorney. Below are legal resources available to small businesses during this time.

  • Vermont Bar Association (VBA) offers low-cost consultations. A lawyer will provide a 30-minute consultation for $25 to help answer questions.  You can reach the Lawyer Referral Service at (800) 639-7036 Monday-Friday 8am – 4pm. Please visit vtbar.org for updates.
  • Small Business Legal Assistance Project offers support and outreach on legal topics impacting diverse and disadvantaged businesses and business owners in Vermont.

Beware of Disaster Relief Scams:

The Consumer Assistance Program is warning Vermonters and small businesses to beware of disaster-relief scams and price gouging. Scammers may impersonate FEMA or the State of Vermont. To learn more about these scams, please review CAP’s Avoid Scams and Fraud During Flood Recovery blog post.

How to Contact the Small Business Advocate:

If you have any questions on the above related material, please contact Emily McDonnell, Small Business Advocate at ago.smallbusiness@vermont.gov or call CAP at (800) 649-2424.

Many Vermonters are going through a traumatic period. If you or someone you know is having a hard time with the emotional impact of this crisis, you can call or text the National Disaster Stress Hotline, (800) 985-5990, or 9-8-8. You are not alone.

Avoid Scams and Fraud During Flood Recovery

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Vermonters have become all too familiar with the difficulties of disaster flooding. We know from experience that as we seek to recover, time is of the essence. We may bypass research gathering steps to respond as quickly as possible to the most pressing needs. When encountering urgent, unexpected, or unfamiliar consumer transactions, like agreements for repair, or disaster recovery, avoid scams and fraud by slowing down and taking steps to verify. Engage trusted contacts to help consider the next steps and to help you make informed consumer decisions.

As we recover: Avoid Scams. Phony charities, government (FEMA) relief, dubious contractors. Ago.vermont.gov/cap
Printable Flood Resources

You can further avoid scams and fraud by looking out for the following known disaster scams:

Government imposter relief scams may claim to be the Federal government or the State of Vermont or FEMA. FEMA scams manifest as fraudulent inspectors that request fees for service, or administrative personnel that call to “verify” your information but are phishing for your personal information. Such relief help scams may even claim they can speed up your FEMA relief application for a fee.

Avoid this scam:  Connect with FEMA directly online. Seek updates regarding whether emergency declarations have been made: https://www.fema.gov/disaster/declarations and follow updates from the Vermont Emergency Management.

Phony charities that solicit funds claiming to support recovery efforts. The Vermont way is to help our neighbors. We all want to help, whether it is through volunteering or donating money. Sadly, scammers use the same contact methods as legitimate charities (phone, online, mail).

Avoid this scam:  Please only give to valid charities that you have thoroughly researched and vetted. Use tools like the Better Business Bureau’s Wise Giving Alliance and Charity Navigator to research charities before you donate.

Dubious contractors may appear with promises to restore damages immediately in exchange for immediate payment. Such contractors urge you to act fast, may offer lower prices, and do not have credentials—though they might say they are “registered and insured,” these are unverified statements.

Avoid this scam: Vermonters must be extra critical about hiring home improvement contractors. Never pay in full upfront for a home improvement project. Make sure you have a contract. Reference our Home Repair How-To Checklist for more tips on finding and hiring home improvement contractors.

Please watch out for these scams and report them to the Consumer Assistance Program by phone at 800-649-2424 or online at ago.vermont.gov/cap

More: Visit the Federal Trade Commission on spotting and avoiding post-disaster scams: https://consumer.ftc.gov/articles/how-avoid-scams-after-weather-emergencies-and-natural-disasters

Update August, 20, 2024: “FEMA announced that federal disaster assistance is available to the state of Vermont to supplement recovery efforts in the areas affected by severe storm, flooding, landslides and mudslides from July 9-11, 2024” (https://www.fema.gov/press-release/20240820/president-joseph-r-biden-jr-approves-major-disaster-declaration-vermont).