Volunteer State News

In response to the recent floods in Tennessee, the state's Attorney General’s Division of Consumer Affairs has released recommendations for those affected. They emphasize staying informed and cautious to navigate the aftermath of the disaster effectively.

For individuals dealing with financial obligations, the guidance includes notifying insurance companies, mortgage lenders, credit card companies, and other creditors about the situation, as they may offer assistance. Home occupants displaced by the flood are advised to contact utility companies to potentially reduce expenses by shutting off services like electricity, gas, and cable.

The Division emphasizes the importance of promptly filing insurance claims post-disaster. Insurance holders should contact their company or agent with necessary documents, and be aware of any time-sensitive notifications required by their policies. If unable to reside in a damaged home, it is crucial to inquire about coverage for additional living expenses. The recommendation to document damages and perform necessary temporary repairs is underscored, with advice to await inspection before permanent repairs.

Caution is advised when hiring contractors. Consumers are encouraged to verify contractor licenses via www.verify.tn.gov and to seek references and reviews on platforms like the Better Business Bureau’s website. Red flags in contractor dealings include door-to-door sales, high-pressure tactics, demands for large upfront payments, and reluctance to use official permits. The Tennessee Home Improvement Law restricts down payments to no more than one-third of the contract total, and consumers are warned against cash-only transactions and vague agreements without written contracts.

The Attorney General’s Office also highlights concerns regarding flooded vehicles. Vehicles affected by at least a foot of standing water should be evaluated by a professional. Potential scams related to purchasing cars in a post-disaster context can be avoided through licensed salespersons, proper vehicle checks, and ensuring comprehensive documentation.

Scams are an increased risk following natural disasters. The public is warned about upfront fees, impersonation by con artists, copycat organizations, high-pressure offers, and fake rental listings.

The office urges reporting of price gouging and deceptive practices. Sudden increases in essential goods' prices should be scrutinized, and misconduct can be reported at www.tn.gov/consumer.