When there is panic, heartbreak and loss, criminals are waiting in the wings to take advantage of confusion and heightened emotions. Hurricane Harvey is no exception. According to the Federal Trade Commission (FTC), homeowners and renters are getting robocalls telling them their flood premiums are past due. In order to have coverage, customers are told they need to submit a payment immediately.  Don’t do it! Instead, contact your insurance agent.  If you suspect fraud, call the FEMA Disaster Fraud Hotline toll free at 1-866-720-5721.  Also report it to the FTC.