In replacing personal documents, such as driver's license, social security card, credit and ATM cards, insurance cards, marriage certificates and car titles, a careful review of the steps involved is needed.

When confronted with damages and losses, it’s important to follow some “dos and don’ts” if you hope to take full advantage of your insurance coverage.

Fly-by-night contractors and scam artists follow in the wake of disasters to prey on vulnerable victims. If you feel you are a victim of fraud, contact reportfraud.ftc.gov.