What Is a Disaster Chaser?

After a natural disaster, you might see:

• Door‑knocking
• Unexpected calls or texts
• Flyers in your letterbox
• Targeted online ads

They often claim they can:

• Assess damage to your home
• Deal with your insurer for you
• Arrange cheap or fast repairs

These offers can sound helpful — but signing up can lead to higher costs, delays, or problems with your insurance claim.

Take Your Time Before You Agree to Anything

• Don’t sign anything on the spot.
• You have a 10‑day cooling‑off period if you do sign — you can cancel by phone, email, in writing or in person.
• Always contact your insurer first.
  Repairs done outside their preferred provider list may mean extra costs.
• Ask your insurer about emergency repairs such as temporary tarps, debris removal or temporary accommodation.
• Most insurers now offer easy online claim forms with clear steps to follow.

How to Spot a Disaster Chaser

Be careful if someone:

• Offers a “today‑only” deal
• Promises unusually cheap or fast repairs
• Asks for money upfront
• Pressures you to sign immediately
• Tells you not to speak with your insurer
• Pretends to be from your insurer

Your insurer will never send someone without telling you first — and will never ask you for money.

If something feels off:

• Ask for ID
• Call your insurer to confirm
• Check whether the work is covered before agreeing

Need Help? Talk to a Financial Counsellor

If you’ve been approached by someone suspicious, think you’ve been scammed, or are dealing with financial stress after a disaster, we’re here to help.

Financial counsellors offer free, confidential and independent advice — no judgment, just support.

Call Us

National Debt Helpline: 1800 007 007
Weekdays 9.30am–4.30pm

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Click the chat icon (bottom right of your screen).
Available weekdays 9.00am–8.00pm.

Find Local Support

Use the Find a Financial Counsellor map to book an appointment near you.