The Oklahoma Office of Emergency Management is warning tornado victims to beware of scams.

OEM recommends individuals use the same responsible business practices they would during non-disaster times in dealing with and selecting contractors during disaster times. This includes:

-- Be extremely cautious of anyone coming to your home uninvited and offering to do home repairs.

-- Be alert to individuals canvassing your neighborhood in an unmarked van or truck.

-- Insist on obtaining a written estimate or contract.

-- Be sure the contract or business card has an address, telephone number and license numbers. All contractors doing business in the state are required to register. While not a guarantee of performance, registration does mean the contractor has minimal liability insurance and a surety bond that can protect the consumer if there is a problem.

-- Ask for references and check them out.

-- Don't be pressured into making a quick decision.

-- Obtain three separate bids on the job.

-- Insist on start and completion dates in the contract, and do not pay the final balance until the work is completed to your satisfaction.

-- Be cautious in dealing with a contractor who asks for a large down payment.

-- Ask contractors if they have done this type of repair work before, if they will be purchasing necessary permits, and if the work will be inspected.

-- Avoid making final payment until you have received a lien release.

When filing insurance claims:

-- Report all property damage to your insurance agent immediately. Your agent should provide you with claim forms and arrange for an insurance adjuster to visit your property and assess the damage.

-- Make emergency repairs and document them. Keep all receipts and take photographs of the damages, before and after emergency repairs, to submit with your claim.

-- Take precautions if the damages require you to leave your home. Secure your property. Remove valuable items. Lock windows and doors. Contact your insurance agent and leave a phone number where you can be reached. Remember to update this contact information if you have to relocate further.

Go to http://www.oag.state.ok.us