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Utah Insurance

Roofing Scams? “Hail” yes!

Consider these tips so you don’t get blown away by fraud.

Check references, licensing and get competitive estimates. Always make sure you know who you are dealing with and charges are fair.

Be cautious about promises of quick service and stocked materials for savings, especially after major storms. Scammers know what to say in desperate times — avoid promises that sound too good to be true.

Offering to waive deductibles may be illegal. Know your state laws, don’t let a desperate situation turn into a permanent nightmare for you or your family.

Avoid demands for high advance payments for work. Reasonable advance payments are normal, demands for high up-front deposits warn of fraud.

Some contractors will actually cause or try to increase damage. Most are honest, but shady contractors may try to take advantage of the situation.

Read contracts carefully and avoid signing away your rights to your insurance coverage to third parties. You may find yourself in a lawsuit you never authorized. Take the time to look over and understand the contract before signing it. It will be to your advantage to do so.

Report suspected fraud to the Utah Insurance Department at

Description of roofing scams

Roofing Scams? “Hail” Yes!

Workers Comp Fraud Costs More Than $32 Billion Every Year

Don’t Get Stuck Looking for a Quick Buck

An estimated $9 billion of fraud every year stems from claims filed by workers misrepresenting injuries or receiving benefits from the wrong employer.

Scammers get caught through surveillance, social media monitoring, or medical provider records. Don’t try it.

Penny-Pinching Payroll

Employers are the worst fraudsters. An estimated $23 billion in premium fraud is caused by employers’ underhanded tactics, including misclassifying workers and underreporting payroll.

Most states require workers comp insurance for employees. When cheaters duck these responsibilities, honest employers pay higher premiums and employees are denied the treatment and help they deserve.

Fraud investigators and state auditors are watching. Injured employees left without coverage often come forward. If you’re an employer, pay what you owe — it isn’t worth the risk.

Be the Solution, Not the Problem


  • Report suspected fraud to the Utah Insurance Department at
  • Payments offered in cash “under the table” are fraud.
  • If you’re injured and your company doesn’t want you to file a claim, be suspicious.
  • Be honest about your injuries. Fraud is not worth jail and fines. If others are committing fraud, report them.


  • If you suspect a bogus claim, notify your insurance carrier.
  • Look for delays between the alleged injury and the claim filing.
  • Verify medical treatment is actually related to the claimed injury.
  • Be suspicious of statements that conflict with the findings of medical providers and witnesses.

Workers Comp Fraud Costs More Than $32 Billion Every Year

Insurance Scammers & Cybercrime: On the Rise

Awareness is your best defense against insurance scammers and hackers who want to steal your information.

Most cybercrimes involve identity theft. Criminals steal personal information to hack accounts and access funds. Identity theft can lead to insurance fraud. Here are come common scams.

Phishing — Scammers impersonate legitimate entities using malicious emails and texts to trick you into giving them your sensitive information. If you suspect a phishing attack, contact the proper entity directly to verify the request is real.

Formjacking — Cyber scammers hack a legitimate website to steal user information. Each time a customer fills out a form, a duplicate of the entered information is sent to the scammer. Contact the company if you supect formjacking.

False Quizzes — Swindlers use surveys and quizzes to pry loose personal data. Launching a quiz app may give permission to pull information from your social media profile or phone, giving hackers an opening to steal your identity.

Public Wi-Fi — Using public Wi-Fi at coffee shops, libraries, or other locations puts you at risk for having information stolen. Avoid storing sensitive information on your phone and never share personal information over public Wi-Fi.

If you become the victim of a scam or suspect fraud, report it. You can report insurance scams and fraud to the Utah Insurance Department at

You can also report scams to other government agencies at:

Description of cyber crime and insurance scams

Insurance Scammers & Cybercrime: On the Rise

Telemedicine: Safe Steps for Patients

Covid-19 is spurring telemedicine growth. Plan ahead, stay alert, and be aware of costly scams.

Verify Coverage — More insurers are covering telemed, but verify coverage before setting your appointment.

Telemed App — Learn how your telemed app or online portal works, and test it before you use it.

Quiet Area — Set up in a quiet area with good lighting, and make sure your device is plugged in or charged.

Prescriptions — Have your prescriptions ready so you can discuss them accurately.

Refuse Strangers — Scammers try to lure you with “free” exams by doctors you don’t know. They steal your ID and insurance and may falsely bill you too.

Fishy Charges — Check for bogus charges, like a 30-minute session that was billed as an hour.

If you suspect that you’re a victim of telemedicine fraud, report it safely, easily, and anonymously at

Description of telemedicine and its potential scams

Telemedicine: Safe Steps for Patients

Fraud Awareness: 5 Ways to Stay Safe

Stay alert to insurance scams year-round. Get the most out of your insurance policies. Be safe, know the warning signs — and report scams.

Home Repairs — Avoid storm chasers who knock on your door for repair work after storms.

Bandit Towing — Never deal with a random tow truck that just shows up at the crash scene.

Staged Crashes — Drive safely. Watch for cars that suddenly pull in front of yours.

Medicare Alert — Hang up on callers demanding your personal info to “update” your Medicare account.

Telemedicine — Ignore pitches for “free” video health exams & back braces requiring your personal info.

If you suspect an insurance scheme, report it safely, easily, and anonymously at

5 Ways to Stay Safe

Don’t Stimulate Fraud

Economic stimulus payments arriving now from the federal government are an enticing target for scammers. They have many too-good-to-be-true methods for taking your money:

  • Stimulus payment scams — Fake phone calls and phishing schemes try to get your stimulus cash. The IRS won’t phone, text, or email you about your payment and won’t require a fee to get it.
  • Contractor scams — Con artists may try to persuade you to sign over your stimulus payment or charge your insurance for poor home improvement work or damage repair.
  • Fake insurance protections — Scammers are offering low-priced “corona insurance” to cover COVID-19 treatment. Just hang up.
  • Trip cancellation insurance — Standard travel insurance may not cover pandemics. Be wary of offers that cover COVID-19 related trip cancellations.

If you suspect an insurance scheme, report it safely, easily, and anonymously at

Don’t Stimulate Fraud

COVID-19 and Workers Comp Fraud

As employers and employees are getting used to new work arrangements, it’s important to consider how they relate to workers compensation insurance.

  1. Remote: Work from home orders are redefining what a work injury may mean.
  2. Quarantine Injury Claims: When workers work from home, what counts as a workplace?
  3. Telemedicine: Telemedicine visits are convenient but may not cover all workplace injury needs.
  4. Be Honest: Employers and insurers need to share information with employees on what is covered and how to report a claim.
  5. Stop the Fraud: Committing fraud ruins careers and lives. Report all suspected insurance fraud to the Fraud Division at

COVID-19 and Workers Comp Fraud

Beware of COVID-19 Car Insurance Scams

The Utah Insurance Department’s Fraud Division is cautioning Utah drivers about potential car insurance fraud that may take place during the current health crisis.

Staged Accidents: Scammers set you up for an accident to make an insurance claim. Fewer drivers mean fewer witnesses.

Auto Repair Fraud: Scammers charge excessive fees for disinfecting & cleaning vehicles due to COVID-19. Be suspicious of high fees for cleaning and storage.

Phantom Victims: People not in the car during the accident attempt to file injury claims, hoping for a quick settlement with no investigation. Make sure to exchange ALL relevant information after an accident.

Be vigilant, and contact the Fraud Division if you believe you may have been a victim of insurance fraud.

By phone: (801) 468-0233 or (844) 373-0233
By email: Armand Glick,

COVID-19 Car Insurance Scams