Redstone Federal Credit Union

Extreme weather events are occurring more frequently, according to scientists. You can't predict when a flood, tornado or other natural disaster will strike – but you can be ready. e first step to protecting yourself is to have quality homeowners insurance, easily and affordably available to you through Redstone Insurance Services. But not all events are covered by a homeowners policy. For example, damage caused by floods are typically not covered by a standard homeowners policy, and you would need to have a separate flood insurance policy for protection. Similarly, a sewer backup – which happens when water is pushed into your home through pipes from sewer or drainage systems – can leave an unpleasant mess that is also not covered by many homeowners policies. Adam Lauderdale, Insurance Specialist with Redstone Insurance Services, says to plan ahead for extreme weather. Lauderdale offers these suggestions: • Review your policy before disaster strikes. Review what's covered, how to proceed and what you can expect at least once a year, so you aren't surprised in an already stressful situation. Know exactly what is covered and, more importantly, what isn't. • Purchase flood insurance early. Most National Flood Insurance Program policies have a 30-day waiting period – so purchasing it when a storm is on the way, or after the disaster, is too late. • Document everything. Keep a log of all your losses and take photos of any and all damage – before you or volunteers start removing debris. • Act quickly. ere are often limits on how long you have to file a claim, plus you'll want to get a jump on the massive volume of claims following large-scale disasters. • Enlist professionals. An expert, such as a storm repair contractor, knows what to look for and can thoroughly assess your home. • Watch out for scammers. Many scammers capitalize on catastrophe by offering quick, cheap repairs. Ask for references and look for licensed, insured and experienced contractors. Now is the perfect time to review and update your insurance. Call Redstone Insurance Services at 256-722-8301 to get ready for all that comes with springtime. 10 | r e d f c u.o r g Redstone Services Group SM , LLC, d/b/a Redstone Insurance Services, is a wholly owned subsidiary of Redstone Federal Credit Union ® (RFCU ® ) but is a separate entit y. Redstone Services Group, LLC, is a licensed insurance agency that sells insurance policies issued by third-part y insurance companies. The insurance products are not products or obligations of RFCU, are not NCUA or federally insured and are not endorsed, warranted, recommended, or guaranteed by RFCU or any government agency. The insurance products may be offered by a dual employee who also sells insurance products on behalf of a third-part y insurance company. R E D S T O N E I N S U R A N C E S E RV I C E S INSURANCE SERVICES SM Adam Lauderdale WEATHER- RELATED ATTACKS? Does Your Insurance Coverage Stand Up to

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