General disasters

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There are three icons, a house with a crack running through it (representing an earthquake), a flame (representing fire), and a snowflake (representing snow and ice). The text reads, “Oregon DFR offers disaster preparedness resources to help you get ready for wildfires, earthquakes, and winter storms." Visit dfr.oregon.gov/insure/home

Hashtags: #OregonDFR #DisasterReady #DisasterPreparedness
 
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Are you financially prepared for a disaster? If you are a homeowner, your home is likely your most valuable asset. Whether you are a renter or homeowner, your personal possessions would likely cost tens of thousands of dollars to replace. If you do not have home or renters insurance, you put those assets at risk. Insurance acts as your financial safety net and is crucial for rebuilding after a disaster.

If you already have insurance, review your coverage with an insurance company or agent to make sure you have the protection you need. If you do not have insurance, shop around to explore your options. Visit dfr.oregon.gov/insure/home.

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Photos of a winter storm, wildfire, and earthquake damage. The text reads, “Oregon DFR offers disaster preparedness resources to help you get ready for wildfires, earthquakes, and winter storms.” Visit dfr.oregon.gov

Hashtags: #OregonDFR #DisasterReady #DisasterPreparedness

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Be disaster ready by being insurance ready. Follow these five tips to help save you money, time, and stress before, during, and after a disaster:

1. Review your insurance policies with your agent or company to ensure you are adequately protected. Many homeowners are unknowingly underinsured.
2. Build a home inventory. Take video of your personal property in each room of your home and describe the items as you record. You can also use a home inventory app or a home inventory tool provided by your insurance company.
3. Gather copies of important identifying and financial documents such as titles, insurance policies, tax records, birth and marriage certificates, and Social Security cards. Store them in a password-protected cloud or in a secure location.
4. Make a list of account or policy numbers and customer service contact information for insurance companies, banks, lenders, utilities, and landlords.
5. Set aside enough cash to get you and your family through a few days after an emergency.

For more financial preparedness information, go to dfr.oregon.gov/preparenow.​

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Fotografías de una tormenta de invierno, un incendio forestal y daños causados por un terremoto. El texto dice: Oregon DFR ofrece recursos de preparación para desastres; prepárese para incendios forestales, terremotos y tormentas invernales. Visite dfr.oregon.gov

Hashtags: #OregonDFR #ListoParaDesastres #PreparaciónParaDesastres
 
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Esté preparado para enfrentar desastres. Siga estos cinco consejos que le ayudarán a ahorrar dinero, tiempo y estrés antes, durante y después de un desastre:

1. Revise sus pólizas de seguro con su agente o compañía para asegurarse de que está adecuadamente protegido. Muchos propietarios de viviendas, sin saberlo, tienen un seguro insuficiente.
2. Construya un inventario de la casa. Tome un video de sus pertenencias en cada habitación de su hogar y describa los elementos a medida que graba. También puede usar una aplicación de inventario del hogar o una herramienta de inventario del hogar proporcionada por su compañía de seguros.
3. Haga copias de documentos financieros y de identificación importantes, como títulos, pólizas de seguro, registros de impuestos, certificados de nacimiento y matrimonio y tarjetas de Seguro Social. Guárdelos en la nube protegida con contraseña o en un lugar seguro.
4. Haga una lista de números de cuenta o pólizas e información de contacto de servicio al cliente de compañías de seguros, bancos, prestamistas, servicios públicos y propietarios.
5. Reserve suficiente dinero en efectivo para que usted y su familia puedan sobrevivir un par de días después de una emergencia.

Para obtener más información sobre la preparación financiera, vaya a dfr.oregon.gov/preparenow/Pages/preparese-ahora.aspx.​

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An illustration of hands holding a cell phone to record video of the furniture and contents inside the living room of a home. The text reads, “Have you built your home inventory?” Visit dfr.oregon.gov/preparenow

Hashtags: #OregonDFR #DisasterReady #HomeInventory

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Have you built your home inventory? A home inventory can help you with your insurance claim in the event of a loss. You can create a home inventory in several ways.

1. Take a video of the personal property in each room of your home and describe the items as you record. Be sure to capture images of appliances, electronics, furniture, and décor. Open cabinets and closets and record items inside. Don't forget to get images of items in a shed, garage, or attic.
2. Download a home inventory app or use a tool provided by your insurance company.
3. Create a written record of your possessions. Use a spreadsheet to list a description of each item, when it was purchased, its purchase price, condition, and model number or product name when relevant. Take pictures of any receipts or appraisals.

Learn more about building a home inventory at dfr.oregon.gov/preparenow.

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The cover of the Guide to Avoiding Disaster Scams, which depicts a hand holding a bundle of cash and yellow disaster tape with the words, “Disaster Scams,” across the cover. The text reads, “How to spot, avoid, and report scams following a disaster.” Visit dfr.oregon.gov

Hashtags: #OregonDFR #DisasterScams #ScamPrevention #FraudPrevention

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Beware of scammers looking to take advantage of disaster victims. Watch out for:​

1. Up-front fees to help you claim services, benefits, or get loans. Government employees never charge to help you get a benefit or service.
2. Contractors selling repairs door-to-door, especially if they offer deep discounts or ask you to pay them up front.
3. Insurance agents who try to sell you after-the-fact policies.
4. Organizations with names similar to government agencies or charities.

View the Division of Financial Regulation's Guide to Avoiding Disaster Scams at https://dfr.oregon.gov/help/outreach-education/Documents/publications/disaster-scams-booklet.pdf.​

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La portada de la Guía para evitar estafas en caso de desastre. El texto dice: Cómo detectar, evitar y reportar estafas después de un desastre. Visite dfr.oregon.gov

Hashtags: #OregonDFR #EstafasDeDesastres #PrevenciónDeEstafas #PrevenciónDeFraudes

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Tenga cuidado con los estafadores que buscan aprovecharse de las víctimas de desastres. Tenga cuidado con:

1. Cobros por adelantado para ayudarle a reclamar servicios, beneficios u obtener préstamos. Los empleados del gobierno nunca cobran por ayudarle a obtener un beneficio o servicio.
2. Contratistas que venden reparaciones a domicilio, especialmente si ofrecen grandes descuentos o le piden que les pague por adelantado.
3. Agentes de seguros que intentan venderle pólizas a posteriori.
4. Organizaciones con nombres similares a agencias gubernamentales o organizaciones benéficas.

Consulte la guía producida por la División de Regulación Financiera de Oregon para evitar estafas tras un desastre visite https://dfr.oregon.gov/help/outreach-education/Documents/publications/disaster-scams-booklet-sp.pdf.​