Fraud is constantly evolving – and it’s becoming more sophisticated every year.
March is Fraud Prevention month, making it the perfect time to pause and ask: Would I recognize a scam if I saw one?
Insurance fraud and financial scams don’t just impact large organizations. They affect individuals, families, and businesses right here in our communities – often when people least expect it.
Why Fraud Awareness Matters
Fraud can result in:
- Financial loss
- Identity theft
- Increased insurance premiums
- Delays in legitimate claims
- Long-term credit damage
Even small misrepresentations or scams can have significant consequences. Staying informed is one of the most effective ways to reduce risk.
What We’re Seeing More Often
Fraudsters are increasingly targeting people through:
- Digital Communication
- Phishing emails pretending to be insurance companies
- Fake renewal or cancellation notices
- Text message scams requesting payment or policy updates
- Post-Accident Scams
- Tow truck operators pressuring drivers at accident scenes
- Referrals to questionable repair facilities
- Inflated injury or damage claims
- Storm & Contractor Fraud
- Unsolicited door-to-door contractors after severe weather
- Upfront payment demands
- Repair quotes that seem unusually high or vague
If something feels urgent, aggressive, or “too good to be true,” take a step back.
Protect Yourself With These Simple Steps
- Confirm the identity of anyone requesting personal information
- Contact your broker directly using the number on your policy documents
- Avoid clicking on unexpected email links
- Verify contractors through reputable sources
- Keep detailed records after a loss
A legitimate insurer or brokerage will never pressure you into immediate payment decisions without documentation and proper process.
Stay Updated on Local Scams
Fraud trends often vary by region and can change quickly. To stay informed about what’s happening locally:
- Visit your local police service website – many maintain dedicated Fraud and Scams pages
- Follow local police social media channels for real-time alerts about emerging phishing trends or “emergency scams.”
- Attend community safety presentations. Many police services offer workshops and distribute educational materials during Fraud Prevention Month to help residents safeguard their personal and financial information.
Awareness at the community level is one of the strongest defenses against fraud.
Our Role As Your Insurance Broker
At McFarlan Rowlands, our responsibility goes beyond placing coverage. We’re here to help you navigate risk – including risks that don’t always look like traditional insurance exposures.
If you ever receive a suspicious communication about your policy, claim or payment: Pause. Verify. Call us directly.