As Mississippi begins the arduous task of recovery following a brutal winter storm, state officials are mobilizing to protect citizens from a second wave of disaster: predatory fraud.
The storm, which left a trail of damage across the state, has created a fertile environment for “storm chasers” and unlicensed contractors.
Mississippi Attorney General Lynn Fitch, Insurance Commissioner Mike Chaney, and the Mississippi State Board of Contractors (MSBOC) issued a joint advisory urging homeowners to remain vigilant against high-pressure sales tactics.
“Criminals take advantage of storm damage to turn a quick profit off others’ misfortune,” Attorney General Fitch said. She emphasized that being a savvy consumer is the best defense against becoming a victim of deception during the rebuilding process.
Insurance Commissioner Mike Chaney warned that while the urge to rebuild quickly is strong, rushing into a contract can lead to further financial ruin.
“Don’t make permanent repairs until your insurance company has inspected the property,” Chaney advised. He noted that dishonest contractors often rely on unlicensed labor and aggressive door-to-door or phone solicitations.
Stephanie Lee, Executive Director of the MSBOC, reminded residents for residential projects exceeding $10,000, a state license is legally required. “Taking the time to check credentials and review references can prevent costly mistakes and ensure repairs are completed safely and professionally,” Lee said.
To mitigate the risk of fraud, state officials recommend a disciplined approach to hiring:
• Verify credentials: Use the MSBOC website to confirm a contractor is licensed, bonded, and insured.
• Avoid upfront full payments: Reputable contractors typically charge for materials as needed rather than demanding 100 percent of the cost before work commences.
• Get it in writing: Require a detailed contract outlining the scope of work, materials, and a completion timeline.
• Retain insurance rights: Never sign documents that grant a contractor direct rights to insurance claim payouts. Pay contractors directly, preferably with a credit card to allow for disputed charges if necessary.
• Permit verification: Contact local permitting offices to ensure the contractor has acquired the necessary building permits before construction begins.
Residents who believe they have been a victim of a scam can report the activity to the Mississippi Attorney General’s Office by visiting the Consumer Complaint Portal or emailing consumer@ago.ms.gov.
