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T E X A S F A R M E R An RVOS Insurance Publication

March 2015 Volume 101 | Issue 01

Protecting YourProperty from

the Damage Spring Weather can Bring!

2

UpFront

R O L N Í K MARCH 2015

I have four bird feeders in my backyard that I keep supplied with bird seed to attract birds. I have a variety of birds that come to my feeders such as cardinals, dove, house finch, titmouse, and painted

bunting. I even had goldfinch come through one season. I enjoy watching the birds flock to the feeders throughout the day, along with the squirrels and deer that eat the seeds that fall to the ground from the birds scratching through them picking out what they like. Not only do the birds, squirrels, and deer like the seeds, at night the foxes, possums, and raccoons come to feast on what is left on the ground. I

have to add another critter to the list that recently started visiting at night. I am an animal lover with the exception of this little guy. He is not a bad looking animal, actually his fur is quite beautiful and shiny and a nice color to look at. He is small and some people even have them as pets. He is a curious sort of fellow to watch. He is easy going and laid back, but get him excited or mad and he will turn on you in a heartbeat. You upset him and he will let out this smell that is beyond describing and the odor can carry in the wind for miles. It permeates the inside of your car if you pass by one that has met its end and that odor will stay in the car with you until you reach your destination. It is a foul odor and if it gets on you or your dog it takes a lot of washing and scrubbing to remove it. Most times it will linger on a dog until it eventually wears off. If it gets on your clothes you might as well throw them away. By now you know what animal I am talking about. Yes, that “other critter” is a skunk. Watch out for them; they seem to be plentiful this time of year.

T E X A S FA R M E R March 2015 Volume 101 | Issue 01

officers + directors president Wiley Shockley vice president Wes Jacksonvice president at large Richard Hykel secretary James Smith

district directors dist. 1 Joe W. Liles | P.O. Box 366 | Holland, TX 76534 dist. 2 Nelson Hall | 2050 CR 327 | Granger, TX 76530 dist. 3 Tom Stavinoha | 10420 Will Lehman Rd | Needville , TX 77461 dist. 4 Dennis R. Vanek | 501 Kelly Crick Rd | Victoria, TX 77904 dist. 5 Jack W. Clark | 4000 S Georgia St, Ste B1 | Amarillo, TX 79109 dist. 6 Rhonda R. Steelman | 5780 Loving Trail | Frisco, TX 75034 dist. 7 Wayne Wilson | 7026 E OSR | Bryan, TX 77808

notice of privacy policyRVOS Insurance Group, including RVOS Farm Mutual Insurance Company, Priority One Insurance Company, New Century Insurance and RVOS General Agency, Inc., understands that securing your privacy is extremely important. We maintain physical and electronic safeguards and enforce procedures to protect your non public personal information. We do not sell, trade, lend, lease or share non public personal information to affiliate or non-affiliated third parties, except as permitted by law.

We collect data from insurance applications. We may collect claim history, credit history, driving records and medical records from a third party if necessary. Transactions will provide payment history, underwriting and claims information. We do share information between our group of companies including name, address and transaction experience. However, we do not share medical or health information among companies or with third parties except to process transactions or to provide services at your request.

A full privacy policy is available on rvos.com/privacy or upon request by calling 800.792.3084.

The contents of this publication are not intended to provide medical, financial or legal advice. RVOS recommends that you seek the advice of a competent professional for such services.

ISSN. 8750-9873 home office 2301 S. 37th St.USPS No. 540-020 mailing address P.O. Box 6106 Temple, Texas 76503-6106 800.792.3084 RVOS.com

editor Sharlet Sladecek

published quarterly

circulation over 62,000official organ RVOS Farm Mutual Insurance CompanyPeriodicals Postage Paid at Austin, Texas and additional mailing offices.Subscription price per year, $1.00Send all change of address to: Texas Farmer, P.O. Box 6106, Temple, TX 76503-6106. Always include your old and new address, lodge number, and zip code.

postmaster send change of address to: Texas Farmer, P.O. Box 6106, Temple, TX 76503-6106

UPFRONT 2 Letter from the Editor

3 Letter from the President

LODGENEWS4 Lodge News

LODGEMEETINGS4 Lodge Meetings

HOME OFFICENEWS7 Home Office News

SEASONALFEATURE10 Protecting Your

Property from DamageBefore and After a Loss?

NEIGHBORS HELPING NEIGHBORS For over 100 years

Letter from the Editor

SHARLET SLADECEKEditor

3

UpFront

R O L N Í KMARCH 2015

YEAR END REPORT FOR THE YEAR ENDING DECEMBER 31, 2014

POLICIES IN FORCE Policies in Force (End of 2013) 72,477Net decrease in policy count 2014 -4,720TOTAL POLICIES (END OF 2014) 67,757

MEMBERSHIP Membership (End of 2013) 62,212Net decrease in membership 2014 -3,732TOTAL MEMBERSHIP (END OF 2014) 58,480

INSURANCE IN FORCE Insurance in Force (End of 2013) $14,245,697,741 Net increase in insurance 2014 $106,273,383

TOTAL INSURANCE IN FORCE (END OF 2014) $14,351,971,124

From the President Pozdravy and Hello to Everyone,

With the beginning of Spring season comes the potential of severe weather which should serve as a reminder to contact your agent for a review and update of your policy coverages and provisions. Make sure that your home and personal property are adequately valued and that your deductible is one that fits your budget in the event of a loss. Purchasing a policy with a higher deductible in order to save upfront premium dollars means that you are willing to accept a greater portion of a loss if or when one should occur. If you have replacement cost coverage or actual cash value on your policy also determines whether or not you can recover the depreciated amounts that are withheld following a loss until repair or replacement of the damaged property has been completed. Read your policy carefully to become familiar with and understand what perils you are protected against.

Now is also a good opportunity to replace smoke and/or carbon monoxide detector batteries, have heating, ventilation and air conditioning (HVAC) systems serviced and to be sure your premises is free of clutter or vegetation overgrowth. Make sure cooking areas are free from items that can catch fire, vent hoods are clean and vented to the outside and pots are never left unattended on the stove. Fireplaces should be cleaned and inspected on a regular basis and candles should only be used in a sturdy fire-proof container that can’t be tipped over and never left unattended. These are just a few of the simple things that can be done to prevent or help mitigate damages from an unexpected loss. Please see the feature article included in this publication for additional information.

More importantly, make sure there is a fire safety evacuation plan in place for family members that include a place to meet after escape and a secure storm shelter retreat during any active weather event.

The 2015 Texas Legislature is now in full session, along with a full complement of new statewide leaders having been sworn into office. It is a busy time at the Capitol with representatives filing thousands of bills in both the House and the Senate that if passed will have an effect on the lives of all Texans, either directly or indirectly. Texas consumers already pay among the highest homeowners insurance premiums in the nation not only due to a wide variety of weather patterns but also due to the recent explosion of hail and wind lawsuits having inundated Texas courts. Ultimately abuse of the Texas judicial system has resulted in higher insurance premiums for all Texas consumers and our elected officials should closely consider laws that

will curtail actions that promote and encourage litigation between an insurance carrier and its insured policyholders.

As a farm mutual, preservation of the cohesiveness of the membership is of paramount importance and serves purpose within the Association. As stated in the RVOS By-laws, each member should strive to resolve all disputes in an amicable manner by voluntarily utilizing alternative dispute resolution procedures, whenever possible. We are here to serve you with your insurance needs and ultimately as a member owned company we all help one another in keeping our premiums as low as possible by maintaining our properties in good repair to ensure the best chance of preventable losses from occurring.

S pozdravem and thank you for your continued Membership,

Best Regards and Majía velký den,

Letter from the President

WILEY SHOCKLEYPresident

RVOS Farm Mutual Insurance

for more information, contact us at:

2301 South 37th StreetTemple, TX 76504

phone (800)792-3084email info@rvos.com

www.RVOS.com

Annual Policy Fee - $25.00

Quarterly Fee - $5.00 per quarter

Monthly Draft Fee - $1.00 per month

Late Fee: $25.00 per policy

The RVOS Insurance Group has implemented a new online payment method on all policies that have been converted into the new policy management system. Details about how to pay online using electronic check or credit card can be found on your invoice. We accept electronic funds transfer (EFT) or credit card payment through Visa, Mastercard, American Express or Discover. online payments, contact your agent.

Fee Schedule

Online Payments

For more information about

R O L N Í K MARCH 2015

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LodgeNewsLODGE 46Krizan-West Lodge 46 held their annual Christmas Social on December 6. Before the meal the West High School Junior Historian's were present to entertain the members. Dressed in their Czech costumes the group did several dances and invited the members to join them in the Chicken Dance. A meal of ham and sausage with all the trimmings was served. After the meal Santa arrived to listen to the childrens wishes and hand out candy. Pictured (L-R) front row: Haley Haas and Alyssa Wachsmann, second row: Emily Nesbit, Holly Soukup, (who is also Miss West), Reagan Sembera, and Allison Sexton, back row: Tyler Brown, Truet Scott, Dalton Wethorn, and Clay Nors Krizan-West Lodge 46 will have two meeting/socials in 2015. The dates are as

LODGE 4Buckholts Lodge 4 made a donation to the Buckholts Volunteer Fire Department at the fire departments monthly meeting held in November. Pictured (L-R): Agent Jeanette Glaser and Buckholts VFD representative Aline Junek

LODGE 78West Lodge 78 held their annual meeting on November 9. The members enjoyed a meal with cake and door prizes were given. Ervin Laubert along with his wife Geraldine retired from the Secretary position after 50 years of service. The lodge presented Ervin with a watch and key chain. District 1 Director Joe Liles presented him with a plaque. We congratulate Ervin for all his years’ service to Lodge 78.

LODGEMEETINGS Krizan-West Lodge 46 June SocialDate: June 14, 2015 Christmas Social December 5, 2015Time: 11:30 a.m. Doors open 12:30 a.m. Meal servedPlace: Cottonwood Hall West, TX

Members are askedto bring desserts

Jourdanton Lodge 127 Spring SocialDate: April 18, 2015Time: 5 p.m.Place: Granny D’s Restaurant 1347 W. Oaklawn St. Pleasanton, TX

Meal served

Dallas Lodge 142 MeetingDate: June 18, 2015Time: 5:30 PMPlace: Circle Grill, 3701 Buckner Blvd. Dallas, TX

Galveston Lodge 146 MeetingDate: October 18, 2015Time: 12:00 pm Place: K of C Hall, 501 Delaney Rd. LaMarque, TX

Bosque Lodge 189 Meeting/MealDate: April 14, 2015Date: 6:30 pmPlace: Chicken Express, 621 W 5th St. Clifton, TX Phone 254-675-3931

LODGE 105 & 112The Nueces County Junior Livestock Show was held in January in which four of RVOS Lodge 105/112 Agent JoAnn Charba's grandchildren each received blue ribbons for their chicken entries. The proud parents of the children are John & Michelle Charba.

follows: June 14 and the Christmas social December 5. Members are asked to mark their calendar with these dates. Reminders will not be mailed. These events will be held at Cottonwood Hall in West, Texas. The hall opens at 11:30 a.m., with the meal being served at 12:30 p.m. Members are asked to bring desserts.

Pictured (L-R): Josef, Anya, Halyna, and Katrina Charba

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LodgeNews

LODGE 124Mexia Lodge 124 presented a $500 donation to the Habitat for Humanity on December 31.

Pictured (L-R): Secretary Trischelle Van Winkle and Habitat for Humanity representative Connie McGilvary Coleman

LODGE 871.) Taylor Lodge 87 held its annual meeting and social on October 18 at the SPJST Hall in Taylor. The 2015 officers for the Lodge are pictured (L-R): President Leroy Marx, Vice-President Woody Richards, Secretary Velma Marx, Financial Secretary Carolyn Holub, Agents Elaine and Albin Machu

LODGE 101Waterloo Lodge 101 made donations in 2014 to several deserving organizations. Thrall FFA Booster Club -October 18, Taylor SPSJT Rest Home-October 27, and Taylor High School Tennis program on November 12.

1.) Pictured (L-R): Vice President Ron Randig and Thrall FFA-4H Booster Club representative Mo Hamann

2.) Pictured (L-R): President Tom Cadan, SPJST Activity Director Ima Jean Weise and SPJST Business Manager Diane Volek

3.) Taylor High School Tennis participants

LODGE 165Linden Lodge 165 held its annual meeting at David Beards Catfish Village in Ore City on October 30. 128 members and guest enjoyed a catfish meal and fellowship. Pictured (L-R): Agent Fredrick (Ricky) Miller, President Estelle Day, and District 6 Director Rhonda Steelman. Not pictured: Treasurer James Edwards

LODGE 146Galveston Lodge 146 made a donation to the Sentinels of Freedom. This organization helps wounded veterans.

Pictured (L-R): Secretary Rosalie Leonard, Agent W.K. Leonard, Jr., Sentinels of Freedom representative Gail Payne, and Agent Lisa Kay Alexander

2.) Lodge 87 and District 2 made donations to Taylor and Thorndale Volunteer Fire Departments at their annual meeting on October 18. Pictured are (L-R): Taylor VFD representative John Wuensche, Vice-President Woody Richards, President Leroy Marx, and Thorndale VFD representative Bernice Weise

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LodgeNews

RVOS MeMbeR HOnORedOmer Poorman

LODGE 167

1.) The Corsicana YMCA held a Jingle Bell Jog 5K and 1 mile Fun Run in which Corsicana Lodge 167 sponsored a team made up of lodge members and friends. Harrison, Anele Richardson, Jessica Sanders, Doris Horne, Stacey McCreary, Nathan Bugg, Jada McClure, Ty Anderson, Denise Brown, Debbie McElhenney and Cheri Moore. Front row (L-R): in stroller-Oakley Collier, Whitney Shelton, Minka, Lenora Cooley, and Allison Brown

In SympathyNadine Kosel Past Lodge 1 Agent

John M. Mensik Lodge 51 President

David G. Cooper Lodge 124 Agent

Carl D. Carson Lodge 999 Agent

2.) During the annual meeting of Corsicana Lodge 167 held November 8 at the Cook Center in Corsicana the lodge honored cancer survivor members with a moment of silence. Pictured are the nine cancer survivors that were in attendance.

LODGE 98Kaufman Lodge 98 held its annual meeting at Maples Hall in Kaufman on October 26. President Raymond Bedrick welcomed District 6 Director Rhonda Steelman to the meeting. Reports were given by the lodge officers. Among other business, scholarships for high school seniors and donations to various organizations were discussed. Guests enjoyed a catered meal along with fun contests. Pictured (L-R): Agent & Vice President Barbara Bedrick, District 6 Director Rhonda Steelman, and President Raymond Bedrick

The French Legion of Honor medal established by Napoleon Bonaparte in 1802, the highest decoration that the country can bestow was presented to Cameron resident and Lodge 703 member Omer Poorman during a ceremony at the residence of Sujiro Seam, French Consul General, in Houston on December 18. France was very graciously honoring U.S. veterans who served in their country during World War II. In the biographical information that he submitted for the presentation ceremony, Omer wrote: “I was with the U.S. Army 66th Infantry Division. Our troop transport was sunk off the Cherbourg coast on the evening of December 24, 1944. More than 800 lives were lost that night. Our Division fought the Germans in the St. Nazaire and Lorient pockets. I received a Combat Infantry badge and Bronze Star. After the war, I married, completed college and started our family. Receiving a degree in Civil Engineering, I worked for the Texas Department of Transportation, retiring as District Engineer in 1986. My wife and I now live on our ranch near Cameron, Texas. We have returned to France twice, and have always found the French people to be generous, helpful, and kind.” Mr. Poorman and his wife Betty have been members of RVOS since 2003. Their son Wayne Poorman is a RVOS agent in Rosenberg, Texas.

Pictured (L-R) standing: Miranda

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HomeOfficeNews

Every four years at their respective district meeting delegates from the district will elect a District Director, an Alternate District Director, a By-law Committee member and an Alternate By-law Committee member. District meetings are held in the district’s set election year, which is staggered by district. This year these positions are eligible for election in District 1 and District 3. District 1 will hold

Applications for Elected

District Positions are now available

their meeting October 24, 2015 with registration at 9:00 and the meeting at 10:00 a.m., at the SPJST Home Office, 520 North Main St, Temple, TX 76501. District 3 will hold their meeting October 31, 2015 at the Rosenberg Civic Center, 3825 Hwy 36 South, Rosenberg TX 77471 beginning at 10:00 a.m. Applicants for a position must meet the eligibility requirements below to be eligible to run at the district meeting.

District Director, By-Law Committee or Respective Alternate Eligibility Requirements

Application ProcessThe following documents must be submitted to the Home Office at least 45 days prior to the district meeting:

Application

PreCheck Disclosure and Authorization for background check

SignedConflictofInterestForm

SignedExposureandFiduciaryDutyFormApplications for District 1 must be received at the Home Office on or before September 9, 2015. Applications for District 3 must be received at the Home Office on or before September 16.

If approved by the Home Office screening, the member must attend the district meeting in order to be elected to a position.

Candidates who meet the above qualifications and are interested in one of the elective positions can contact WileyShockleyatwshockley@rvos.comorSharletSladecekatssladecek@rvos.com to request an application.

The member must have been a member in the Association for at least three years immediately prior to being elected.

The member must have been a member in the district for which he/she is elected at least one year prior to being elected, and must reside within those district boundaries at all times.

The member must hold at least $3,000 of insurance with the Association.

The member must not be related to any member of the Board within the third degree as dictated by Section 573.002 of the Texas Government Code.

If the member owns his/her own home, that home must be insured by the Association in order to be eligible to serve as a Director, By-law Committee member or Alternate to either position.

The member must not be an officer of any other fire or extended coverage insurance company. If he/she becomes an officer of such company after being elected, he/she automatically resigns from that position.

The member must meet other qualifications as outlined in the Conflict of Interest Statement or as set by the Association.

The member must never have had a license for any professional designation placed on probation, denied, suspended, revoked, canceled or non-renewed by any state or regulatory body.

The member must never have been disciplined or fined by a state department or other regulatory body.

The member must never have been convicted of, pled guilty or nolo contender (no contest) to any misdemeanor involving moral turpitude or to any felony.

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HomeOfficeNews

Ray Langeneger celebrated his retirement with the Home Office staff and officers on December 31, 2014 with a cake and punch reception. He was presented a plaque recognizing his service with RVOS. Ray retired after serving RVOS for 20 years and 2 months. He began his career as a state adjuster and retired as a claims examiner. Ray plans on spending more time in his woodworking, gardening and going to antique tractor shows. We wish Ray a happy and enjoyable retirement.

Pictured (L-R): Vice President Wes Jackson, Ray Langeneger, Secretary James Smith.

Ray Langeneger Retires

CLAIMS BY TYPE FOR THE YEAR ENDING DECEMBER 31, 2014

CLAIMS PAID BY TYPE

ACCIDENTAL GLASS BREAKAGE $42,246.92 COLLAPSE $6,651.78 COLLISION $243,294.49 EXPLOSION $421,070.24 EXTENDED COVERAGE $1,338,126.29 FALLING OBJECT $16,754.52 FIRE $11,133,816.94 FREEZE $3,952.87 HAIL $9,997,765.04 HURRICANE $3,596.72 LIGHTNING $419,622.50 MISCELLANEOUS $71,577.94 MYSTERIOUS DISAPPEARANCE $20,670.00 RIOT AND CIVIL COMMOTION $5,961.52 SETTLING/FOUNDATION $9,047.04 SMOKE $22,088.02 SPOILED FROZEN FOOD $1,000.00 THEFT $1,057,307.04 VANDALISM $51,695.86 VEHICLE $4,048.89 VEHICLE/AIRCRAFT $120,096.41 WATER APPLIANCE RELATED $583,904.83 WATER DAMAGE $240,535.65 WATER DISCHARGE $4,001,349.50 WEIGHT OF ICE AND SNOW $108,693.91 WIND $9,108,005.66

TOTAL CLAIMS PAID

FINANCIAL REPORT RVOS FARM MUTUAL INSURANCE COMPANY Balance Sheet for the Year Ending December 31, 2014

ADMITTED ASSETS Bonds $24,937,964Stocks $7,614,964Investment in Subsidiaries $17,143,189Real Estate $1,411,549Cash on Deposit $3,556,873 Investment Income Due and Accrued $150,677 Premiums Receivable $14,949,020Income Tax Recoverable $931,919Net Deferred Tax Asset $2,354,532Other Assets $300,342 Total Admitted Assets $73,351,029

Liabilities and Surplus

Unpaid Losses and LAE, Net of $5,234,493 Reinsurance Recoverable Unearned Premiums $33,111,229 Other Payables $11,305,241 Total Liabilities $49,650,963 Policyholder Surplus $23,700,066Total Liabilities and Policyholder Surplus $73,351,029

Income Statement for the Year Ending December 31, 2014

Net Premiums Earned $53,681,346 Net Losses and LAE Incurred $36,948,045 Other Underwriting Expenses Incurred $20,301,907 Total Expenses $57,249,952

Net Underwriting Gain/Loss $(3,568,606)Net Investment Income Earned $859,760 Other Income $2,324,354

Net Income before Taxes $(384,492)

Income Tax $(272,823)

Net Income After Taxes $(111,669)

Policyholder Surplus as of December 31, 2013 $23,453,558 Net Income $(111,669)Change in net unrealized capital gains/(losses) $542,270 Change in net deferred income tax $(715,851)Change in nonadmitted assets $1,659,095 Change in provision for reinsurance $(82,000)Prior Year Adjustments to Surplus $(1,045,337)

Policyholder Surplus as of December 31, 2014 $23,700,066 $39,032,880.58

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HomeOfficeNewsLOSSES PAID for the Year EndingDecember 31, 2014

# LODGE NAME CLAIMS PAID 1 Ocker-Temple $196,782.50 2 Moravan-La Grange $160.00 3 Alvin $31,170.98 4 Buckholts $105,576.89 5 Seaton $229,354.67 6 Dime Box $36,095.46 8 Rosebud $99,184.78 9 Novy Tabor-Caldwell $21,165.70 10 Corn Hill $16,624.37 11 Granger $42,360.45 13 Marak-Cameron $175,089.95 16 Nelsonville $13,636.40 17 Rowena $569,274.03 18 Holik-Brookshire $1,448.46 20 Abilene $541,858.08 21 East Bernard $499,855.21 22 Taiton $155,216.63 23 Nada $74,545.72 24 Pisek-Fayetteville $7,242.02 25 Pokrok Flats-San Angelo $1,661,412.92 26 Pierce $15,100.93 27 Hillje-El Campo $30,065.25 28 Buchanan Lake-Tow $10,338.53 29 Wesley $13,049.52 30 Malone $37,725.11 31 Snook $4,980.76 32 Roosevelt-Waco $13,513.70 33 Amarillo $131,213.19 34 Vsetin-Hallettsville $49,869.02 37 Pokrok Plains-Lubbock $52,391.70 39 Novohrad-Moulton $87,357.89 40 Greive-Schulenburg $3,654.32 41 Moravia $7,868.58 42 Praha-Flatonia $21,844.88 43 Myrtle Springs $205,409.04 45 Rydel-West $20,960.94 46 Krizan-West $524,171.77 47 Marak-Abbott $113,277.63 48 Foit-West $62,638.79 49 Svornost-Penelope $84,968.73 50 Lysa Hora-Axtell $21,587.76 51 Ennis $530,468.68 52 Frydek-Sealy $143,438.17 53 Colony-Rosharon $33,347.08 54 Frenstat $57,588.93 55 Shillerville $207,754.22 57 Skidmore $39,966.17 58 The Grove $155,049.69 59 Sliva-Weimar $1,064.50 60 Dubina-Weimar $362.82 63 Orech-Weimar $1,310.36 64 Sedan-Weimar $68,001.89 65 Komensky-Plum $5,666.70 66 Hobson $34,100.60 67 Cistern-Flatonia $5,571.83 68 Palo Pinto $52,200.00 69 Smithville $12,094.99 70 Fojtik-Needville $273,575.82 71 Bremond $28,808.31 72 Fayetteville $132,322.82 73 Cameron $540,595.65

74 Svoboda-Yoakum $14,501.93 75 Palacios $25,397.41 76 Ellinger $8,876.86 77 Circleville $9,853.08 78 West $622,898.08 79 Nova Morava-Bryan $244,725.27 80 Smetana-Bryan $103,800.00 81 Olomouc-Bryan $40,035.75 83 Holland $112,572.99 84 Shiner $276,919.78 85 Crosby $36,653.03 87 Buggy Creek-Taylor $112,330.65 89 Gerick-Stamford $635,251.44 90 Lidice-Gonzales $18,259.71 91 Seymour $42,063.21 92 Leonard-Bryan $133,339.82 93 Pokrok Rolniku-Wichita Falls $34,916.03 94 Rek Hill-Fayetteville $7,371.40 95 Bomarton $130,378.49 97 Kneitz-Richmond $395,955.34 98 Novy Domov-Terrell $117,876.50 99 Rosenberg $51,143.30 100 Tyn-Ganado $2,586.18 101 Waterloo $213,539.70 103 Tioga-Whitesboro $237,532.95 104 Svoboda-Floresville $46,648.85 105 Robstown $94,859.21 106 Praha-West $100,258.61 107 Meeks $143,627.27 108 Houston $242,064.18 109 Waco $384,847.20 111 Saint Bernard $6,460.90 112 Corpus Christi $15,035.04 113 Ruze Svobody-Crosby $67,803.96 114 Pokrok Danbury-Danbury $115,886.09 115 Brno-Dayton $1,076,255.22 116 Dougherty $218,491.62 117 Ragsdale $3,351.89 120 Rio Hondo $74,976.13 121 Janak-Hallettsville $5,430.90 123 San Gabriel $5,861.17 124 Forest Glade-Mexia $150,493.24 125 Mart $167,920.11 127 Rozkvet-Jourdanton $131,805.02 128 Guy's Store-Centerville $301,242.95 129 Pottsboro $71,201.64 132 Liskuv Haj-Calliham $4,004.02 133 Temple $216,263.14 134 Tomsu Vernon $184,525.65 137 Pokrok Thalia-Crowell $298,876.47 138 Cermak-Bay City $4,191.41 139 Bennview-Lolita $17,768.05 140 Worthing-Hallettsville $91,354.83 141 Alamo-San Antonio $4,288.26 142 Dallas $1,140,049.74 143 Academy $123,826.57 146 Galveston County-Galveston $23,028.52 147 Sonoma-Ennis $327,420.82 149 Rockdale $20,646.30 150 Austin $89,926.33 151 Twin Cities $167,443.32 152 Silsbee $498,156.09 153 Southeast Dallas $404,307.87 154 Lake Brownwood $150,395.08 155 St. Lawrence $108,835.59

156 Sweetwater $307,193.23 157 Bronte $1,034,894.05 158 Clay County $243,718.60 159 Gary $52,179.74 160 Able Spring-Terrell $530,503.76 161 Cleburne $693,035.45 164 Permian Basin-Seminole $252,729.73 165 Linden $439,931.84 166 Trinity $410,133.87 167 Navarro County $1,349,997.62 168 Hords Creek-Coleman $238,123.99 169 Odessa $23,770.49 172 Lewisville $296,714.76 173 Mount Pleasant $14,191.06 174 Cherokee $412,874.87 175 Rotan $127,357.32 177 Fredericksburg $12,581.01 178 Tyler $80,265.13 179 Possum Kingdom $28,996.64 180 Wilmer-Hutchins $475,215.18 181 Buchanan Dam $49,757.72 182 Cap Rock $261,116.21 183 Levelland $256,506.79 185 Kirbyville $92,226.38 186 Vernon $94,103.66 188 Pasadena $110,067.13 189 Bosque $401,251.09 190 Percilla $129,582.16 191 Freestone $608,018.53 192 Quinlan $219,391.40 194 Panhandle $961,515.41 196 Bexar San Antonio $80,498.79 197 Montgomery County $382,381.40 199 Lake Livingston $301,523.93 200 Tri-County $78,285.29 201 Canyon Lake $57,661.85 202 Stephenville $49,354.05 204 West Texas $210,928.46 206 Decatur $10,683.66 207 Paris $1,086,117.28 209 Ben Wheeler $466,929.18 210 Wilson County $403,917.23 211 Lone Star Montgomery Cty $43,667.42 212 Cisco $40,775.24 213 Pineywoods $700,509.09 214 Caldwell-Guadalupe $213,955.50 215 Texas Hills $104,046.15 216 Central Texas $75,918.94 217 Bandera County $128,001.57 218 San Saba County $69,771.47 219 Lampasas Springs $129,276.17 220 Highland Lakes $12,295.45 222 Waskom $298,865.12 223 Bluebonnet $101,246.72 224 Tejas $40,964.95 226 Rolling Plains $88,834.93 227 Hill Country $11,504.91 228 Mid Cities $249,361.75 230 Cypress Creek $13,383.38 231 Eagles Nest $13,073.47 232 Richardson No Bull $318,211.61 233 Mason County $8,635.21 234 Richardson Insurance $326,707.62 703 Southwestern Insurance Center $19,069.53

704 Westwind Insurance Agency Inc $28,345.08 705 Albin & Associates Insurance $18,855.09 706 Dickey, McGann & Rowe, Inc. $34,673.46 707 Kevin Wolf Insurance $5,532.90 709 Puig Insurance Agency $116,487.37 710 B & B Insurance Agency $665,641.17 711 John King Insurance Agency $6,117.10 714 Fort Stockton Insurance Agency $940.58 715 The Insurance Store $4,600.00 722 Dixie Dunavant Insurance $161,483.44 726 Ronnie Dunavant Ins Agency $289,763.99 729 Waley Insurance Agency $13,339.01 731 Texstar Insurance Services $39,825.56 735 Barnard Donegan Insurance $73,787.52 736 Wellmann Insurance Agency Inc $5,434.40 744 Moore Insurance Agency $29,115.27 751 Weischwill Insurance $22,335.77 759 David Caylor Insurance $38,101.04 761 Bruner Insurance Agency $67,393.60 766 CBH Insurance Agency Inc. $175,001.68 769 Boulter Ins. Agency $14,664.72 773 Danny Neskorik Insurance $39,563.45 774 Security Insurance Agency $2,989.29 776 Interstate Insurance Agency $1,845.06 777 M Sorrells Ins Agency Pllc $18,549.07 779 Citizen Financial Services Inc $19,749.91 780 Seven Oaks Ins. Agency, Llc $8,750.18 782 Hermes Insurance Agency, Inc. $13,818.78 784 Frantzen,Kaderli & Klier Ins $17,196.58 785 G & H Financial Ins Services $15,416.88 788 Toole Insurance Agency $4,040.00 789 Brit Owen Insurance $127,570.39 999 At Large $1,365,709.45 TOTAL CLAIMS PAID $39,032,880.58

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Protecting Your Property from Damage Before and After a Loss

With the impending severe weather season upon us, damaging storms in Texas are both unpredictable and unavoidable. Now is a good time to review your home insurance policy to become familiar with the coverages and specific perils that you are covered for. A peril can be many things such as fire, smoke, hail, wind, lightning, water, etc... So how can you prevent these damages? Some cannot be prevented but others can be avoided or the damage reduced by taking certain actions before or after a loss occurs. Here are a few tips to help you avoid costly repairs

and the inconvenience associated with a loss to your property. Routine Maintenance – Think of giving your home a check-up, but instead of calling the doctor, you call a professional. Having a plumber check the supply and drain lines can be fairly inexpensive and could save you thousands of dollars in the long run. An electrician can verify that your electrical supply is safe and up to code. Each city has its own code requirements for proper installation of certain components. Making sure your HVAC system is functioning properly could prevent a condensation drain line from

backing up or even prevent a fire. An ounce of prevention can help protect you and your family from the unexpected. Roofing systems are one of the most important components of your house. Maintaining a functioning roof in good repair will help prevent the elements from entering your home and prevent costly damage to the interior. It is a well-known fact that the weather in Texas can best be described as consistently inconsistent. Extreme temperatures, both hot and cold can have a dramatic impact on the useful life of any roof type. If the temperature

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outside is 100 degrees, your roofing material could easily be exposed to temperatures in excess of 150 degrees or more from within the attic. Granules are bonded to roofing shingles to help partially protect them from the heat. Extreme heat can cause the bond to weaken resulting in granule loss. You may notice granules on the ground around your house or in your gutters after a rain. This is a normal occurrence in the life of a roofing shingle. Gradually, as the roofing material reaches the end of its expected life, you could have no granules left to protect the mat. So, making sure that your attic is

properly ventilated could help extend the useful life of your roof. Ridge vents, power vents or wind turbines are all options to help reduce attic temperatures. In addition, proper attic ventilation could also help lower the inside temperature of your home and result in lower electric bills. In order to prevent roof leaks make sure that vents that penetrate the roof and other openings around the house are sealed. Having a skilled professional perform an inspection can reveal any deficiencies that can usually be corrected at a minimal cost to the home owner.

Be Proactive – The more prepared you are the easier it will be to mitigate a loss if a disaster does happen. Don’t wait, have a plan. Do a little research on restoration companies or a professional arborist in the area to keep trees or shrubs trimmed away from your home. Keep their contact information handy and easily assessable. If or when a disaster should occur, having an emergency list available can help save you time, money, and possibly allow a much quicker return home if disaster renders your home uninhabitable.

Now is a good time to review your home insurance policy to become familiar with the coverages and specific perils that you are covered for.

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PO Box 6106Temple, Texas

76503

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