房地产诈骗越来越严重——以下是保护自己的方法

By Halo Research Team On 12 月 7, 2024

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不幸的是，诈骗变得越来越复杂，业主经常成为欺诈性承包商、虚假保险单和欺骗性财产交易的目标。识别警告信号可以帮助您避免成为受害者这些计划并保护您的投资业务。

承包商和屋顶工诈骗

不道德的承包商和屋顶工人经常针对需要快速维修的业主，特别是在大范围灾难之后。他们经常利用紧迫感来确保合同和付款，而不交付高质量的工作——或者根本不交付任何工作。这些骗子经常主动接近房屋，声称在路过时注意到损坏。他们可能会夸大损失并推动立即签订合同，承诺处理保险索赔，但工作质量低于标准或消失。

危险信号和预防

无书面估算： 合法承包商在要求您签署合同之前会提供详细的逐项估算。
预付款压力： 切勿支付超过小额存款直到工作已完成。避免付款这满的账单直到工作已完成并满足合同条款。
缺乏凭证： 总是确保承包商已获得许可、有保险且信誉良好。核实他们的营业执照并要求提供责任保险证明。

保险诈骗

保险诈骗可能会让业主在不知不觉中没有投保或投保严重不足。诈骗者经常以低保费和折扣的承诺来引诱业主，但他们却没有提供任何帮助。真实的覆盖范围——或覆盖范围不足。

一种诈骗方法涉及“幽灵经纪人”，他们出售合法保单，但很快就取消保单，将保费收入囊中，而业主却得不到保护。业主通常没有意识到他们已经被骗了直到他们去提出索赔，却发现保单要么不存在，要么在他们不知情的情况下被取消。

危险信号和预防

保费低得可疑： 如果利率看起来好得令人难以置信，那么事实很可能就是如此。始终比较多个信誉良好的提供商的报价。
未经验证的代理： 通过与您所在州的保险部门核实来验证凭据。
文档不完整： 确保您收到官方政策建议之前签订合同并缴纳保费。

财产交易诈骗

一些骗子伪造文件以谎称拥有财产，俗称产权或契约欺诈。通过伪造契约和签名，他们可以获得贷款、出售财产，甚至拿走出去以此为抵押的贷款。在某些情况下，诈骗者可能会冒充实际业主并将其出售给毫无戒心的买家，而买家后来发现交易是欺诈性的。

另一种流行的骗局涉及虚假房产列表。骗子以不切实际的低价创建诱人的列表，通常使用偷来的照片或误导性的描述来使房产看起来合法。这些伪造的列表经常被发布在几乎没有监督的网站上，例如 Craigslist 或在社交媒体网站。一旦潜在买家表达兴趣，诈骗者就会迫使他们支付预付款，声称该房产需求量很大。收到定金后，骗子就消失了，买家没有追索权。