22150 RVOSFMI PUB 1 3_13_2017
T E X A S
FA R M E R
March 2017 Volume 103 | Issue 01
Financials
Lodge News
Home Office News
An RVOS Insurance Publication
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UpFront
Letter from the Editor
T
he 2016 deer hunting season has
come and gone, but this one will be
a memorable one for me because I
went hunting. This hasn’t been the first time I
have sat in a deer stand, but it is the first time
I did it by myself and got one. In the past, I sat
with my husband while he hunted. I enjoyed
watching the wildlife and the sunrise and
sunsets. To pass the time I would sleep, read
or color in my coloring book. This year, I went
with my dad the first time out just to get a feel
for the deer stand and the surroundings and
to get pointers. The second time out I went
by myself to the stand. The most exciting
thing happened. I was watching a deer at the
feeder and all a sudden he looked up, his eyes
got that headlight look and he started acting
real nervous. A deer’s tail is like a flag. It goes
up like a signal and then he started stomping
his feet. I looked the direction he was looking
and to my surprise out comes a bobcat. There
standing about 30 feet in front of me was
a bobcat just staring at me. I wanted to take
a picture of it with my phone, but he knew I
was there and if I moved he would run off. We
watched each other for a couple of minutes
and then he moved on. That left my heart
pumping. It took me a minute to settle down.
I now directed my attention to the deer. I just
knew he was going to run too, but he went
back to eating. I watched him a while trying
to decide whether I wanted to take a shot or
wait to see if something better would come in.
It was getting late and I had to do something
before the sun set. I made my decision, next
thing I knew I found that I got my first deer. O
my gosh, I was so excited I didn’t know what to
do next. I called my dad and could barely talk.
He couldn’t get there soon enough. We loaded
it up and started the next process. My husband
has been the one to supply the meat each year,
but this year I got to contribute as well, along
with making more memories.
officers
SHARLET SLADECEK
Editor
1.
2.
Inspect the air conditioning unit, drain pans and clean or change filters
Adjust ceiling fans to rotate counterclockwise to create a cooler breeze
by pushing air downward
3.
4.
5.
6.
7.
8.
9.
Inspect water hoses on your appliances for bubbles or cracks
Install fresh batteries in smoke alarms and carbon monoxide detectors
Check fire extinguisher expiration dates
Clean debris from gutters and downspouts
Cut back and trim all vegetation and overgrown bushes from structures
Trim tree limbs away from buildings
Check lawn sprinkler system for leaky valves, exposed lines and improperly
working sprinkler heads
10. Consider keeping the soil evenly moist around the foundation of your home
with soaker hoses to prevent shifting and cracking during the dry season
11. Make any necessary repairs to give your home a pride of ownership appearance
Wiley Shockley
Wes Jackson
vice president-at-large Richard Hykel
secretary James Smith
president
vice president
district directors
district 1
Joe W. Liles
P.O. Box 366 | Holland, TX 76534
district 2
Julius Dubcak
1400 Katie Lynch Dr. | Pflugerville, TX 78660
district 3
Tom Stavinoha
10420 Will Lehman Rd | Needville , TX 77461
district 4
Dennis R. Vanek
501 Kelly Crick Rd | Victoria, TX 77904
district 5
Jack W. Clark
4000 S Georgia St, Ste B1 | Amarillo, TX 79109
district 6
Rhonda R. Steelman
5780 Loving Trail | Frisco, TX 75034
district 7
Wayne Wilson
7026 E OSR | Bryan, TX 77808
home office 2301 S. 37th St.
mailing address
P.O. Box 6106 | Temple, Texas 76503-6106
800.792.3084 RVOS.com
published quarterly
circulation over
MARCH 2017
55,000
official organ
RVOS Farm Mutual Insurance Company
Periodicals Postage Paid at Austin, Texas
and additional mailing offices.
Send 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
notice of privacy policy
RVOS 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
USPS No. 540-020
2
+ directors
Subscription price per year, $1.00
Spring Maintenance Checklist
ROLNÍK
editor Sharlet Sladecek
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UpFront
T E X A S FA R M E R
March 2017
Volume 103 | Issue 01
UPFRONT
2
Letter from the President
Editorial
3
Letter from the President
4-7
4
farmers came together out of necessity to
protect each other with mutual aid in the event
of a fire or storm related damage.
LODGENEWS
Lodge News
Lodge Meetings
HOME OFFICENEWS
8-9
10-11
Home Office News
Financial Report
Fraud
Reward
If you know someone who commits
insurance fraud, speak up! Stopping
fraudulent activity helps keep premiums
down. If you know someone who
commits arson or theft of property
insured by RVOS, let us know. If that
person is convicted, you could receive a
reward up to $500.
Online Payments
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. For more
information about online payments,
contact your agent.
Fee Schedule
The following RVOS fee schedule is
being provided for your information
and convenience.
Annual Policy Fee - $25.00
Quarterly Fee - $5.00 per quarter
Monthly Draft Fee - $1.00 per month
Late Fee - $25.00 per policy
Jarní pozdravy to All,
Following a relatively mild winter, spring is finally
here and with it comes an opportunity to clean
out that attic or garage, change those heating
and AC filters, install fresh batteries in smoke
alarms and carbon monoxide detectors, clean
out debris from rain gutters, cut tree limbs and
shrubs away from buildings and make any other
necessary repairs to give your home a pride
of ownership appearance. Statistically, well
maintained property is less susceptible to being
damaged than property that is neglected. Spring
storms have already begun, so make sure you
and your family have an emergency plan in place
just in case threatening weather approaches.
Included in this addition of our publication we
are pleased to provide the annual member/
policyholders report required under Chapter
911 of the Insurance Code. In the 2016 financial
report, you will find information reflecting
total premiums collected, incurred operating
expenses and claims paid to our members for
each covered peril within our policy provisions.
As a policyholder, you are also an owner of the
company which operates solely for the benefit
of its members. There are no shareholders and
by statute, ownership and control of a Texas
Farm Mutual is vested in you, our member/
policyholders.
Farm Mutual insurance companies are unique
not only in the way they have evolved but also
in what they do for the citizens of Texas. In
the late 1800’s and early 1900’s, immigrant
farmers could not secure insurance on their
property primarily because insurance carriers of
the time refused to offer rural coverage due to
the lack of fire protection. RVOS was originally
formed in 1901 as the Farmers Mutual Protective
Association. As the name indicates, neighboring
Even today Texas Farm Mutual insurance
companies write coverages that many other
carriers operating in Texas do not write such
as farm machinery, hay/feed/seed, other
agricultural products and homes and/or barns
in rural areas lacking fire protection. In fact, a
majority of the insurance a Texas Farm Mutual
insurance company can write must be classified
as rural under the strict requirements of Chapter
911, the insurance code that exclusively regulates
Farm Mutual insurance companies.
With the 85th Texas Legislature now in full
session, the 17 Texas Farm Mutuals are preparing
for and monitoring bill filings that have repeatedly
been advocated by competing companies in
previous sessions seeking to gain a competitive
market advantage through the legislative
process. This is done by promoting adverse
legislation that would subject Farm Mutuals
to additional expenses and other unwarranted
policy regulations. The undermining of Farm
Mutual insurance companies by competitors
would ultimately reduce competition in the
markets where Farm Mutuals are permitted to
write business thereby increasing costs and
adversely affecting rural policyholders. Also,
lawsuit abuse reform is a top priority in order
to help keep insurance available and reasonably
priced for all Texans.
Each Farm Mutual insurance company is
represented by individuals or legislative
committees who work hard during these times
to defend and preserve our Texas Farm Mutuals
against unprovoked aggressions or harmful
statutes so that we may continue serving and
providing the citizens of this great State with
affordable insurance coverage.
S přátelským pozdravem and thank you for
allowing RVOS to serve you.
WILEY SHOCKLEY
President
RVOS Farm Mutual
Insurance
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LodgeNews
LODGE 5
LODGE 46
Seaton Lodge 5 donated to the Westphalia, Little River/Academy, Troy and Rogers Volunteer
Fire Departments in December of 2016. Each received $500.
Krizan-West Lodge 46 held their meeting on
October 2, 2016 at Cottonwood Hall.
Pictured (L-R): Agent David Coufal and
Westphalia VFD Member Jerry Loden.
Pictured (L-R): Agent David Coufal, Lodge
Secretary Ace Chlapek, Troy VFD Fire Chief
Justin Jackson, Lodge Vice President James
Skrabanek.
Pictured (L-R): District 1 Director Joe Liles,
Lodge Vice President Milton Peterson, Lodge
President Dorothy Uptmor, Agent Burl
Shelton, Lodge Secretary Georgie Nors and
Agent Robert Nors.
LODGE 140
Pictured (L-R): Agent David Coufal, Little
River/Academy VFD Members Jimmy
Snoden and Jorden Brenek, Lodge Vice
President James Skrabanek and Lodge
Secretary Ace Chlapek.
Pictured (L-R): Agent David Coufal, Rogers
VFD - EMS Captain Tonja Vogt, Lodge
Secretary Ace Chlapek, Lodge Vice President
James Skrabanek.
LODGE 108
Houston Lodge 108 donated to the Wounded
Warrior Project in December 2016. Pictured
(L-R): Daniel Kutac, Erwin Kunz, Lodge
President Dennis Hermis and Larry Osina.
LODGEMEETINGS
Krizan Lodge 46
Family Day
Date: Sunday, June 11, 2017
Time: 11:30 a.m. Doors Open
12:30 p.m. Meal Served
Place: Cottonwood Hall
Notes: Members are asked
to bring desserts.
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MARCH 2017
Schillerville Lodge 55
Annual Social
Date: Sunday, April 23, 2017
Time: 12:00 p.m. Doors Open
12:30 p.m. Meal Served
Place: De Costa Sons of Herman Hall
Victoria, TX
On December 13, 2016, Worthing-Hallettsville
Lodge 140 donated to the Manna Food
Pantry. Pictured (L-R): Lodge Vice President
Leon Matula, Agent Natalie Henke holding
daughter Julianna, Manna Food Pantry
Coordinator Laura Klesel, Lodge Secretary
Geraldine Dornak and Lodge President
Dorothy Schneider.
Jourdanton Lodge 127
Spring Social
Date: Saturday, May 6, 2017
Time: 5:00 p.m.
Place: Jourdanton
Community Center
Jourdanton, TX
Notes: Catered meal will be served
Bosque Lodge 189
Meeting
Date: Tuesday, April 11, 2017
Time: 6:30 p.m.
Place: Chicken Express
621 W. 5th St.
Clifton, TX
Phone: 254-675-3931
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LodgeNews
LODGE 52
Frydek-Sealy Lodge 52 gave back to their community by making donations of $500 each to the Austin County Crime Stoppers, Austin County
Lifeline, Sealy Fire Department, Bellville Fire Department and San Felipe/Frydek Fire Department.
Pictured (L-R): Agent Marie Herridge and
Sealy Fire Chief Eric Zapalac.
Pictured (L-R): Austin County Crime Stoppers
Representative Cindy Kendrick and Agent
Marie Herridge.
Pictured (L-R): Austin County Lifeline
Representative Janice Weid and Agent Marie
Herridge.
LODGE 54
Pictured (L-R): District 7
Director Wayne Wilson,
Lodge President/Agent
Lawrence Vavra, Lodge
Secretary/Agent Tina
Vavra, Co-Presidents of
the Burleson County
Historical Society Pat
Novosad and Linda
Chamberlain.
Frenstat Lodge 54 in conjunction with RVOS Insurance and agents
Lawrence and Tina Vavra contributed to the Burleson County Historical
Society for the restoration of the Kraitchar House Museum located in
Caldwell, TX. The Kraitchar House was built in 1891 by Thomas Kraitchar Sr.
who was one of the first Czech families to settle in Caldwell. It showcases
Czech heritage and serves as an example of the role and influence that
Czech families had on the communities where they settled. It is one of
the locations listed in the directory of the Kolache Festival and other
publications. It is visited by many people throughout the year.
LODGE 67
LODGE 69
LODGE 77
Cistern-Flatonia Lodge 67 held their annual
meeting November 12, 2016 at La Cabana
Restaurant in Smithville.
Smithville Lodge 69 held their annual meeting on
November 9, 2016 at the La Cabana Restaurant
in Smithville.
Circleville Lodge 77 donated to the Granger VFD.
Pictured (L-R): Agent Edwin Hughes, Lodge
Vice President Charles Vinklarek, Gilbert
Marburger, Lodge Secretary Estella Hughes,
Winifred Vinklarek, Lodge President Eugene
Vinklarek and Grace Vinklarek.
Pictured front row (L-R): Lodge Secretary Estella
Hughes, Alvin Janacek, Nancy Janecek. Back
row (L-R): Michelle Cole, Annie Tompkins, Lodge
President Ray Tompkins, Tracy Zetka, Norman
Zetka, Agent Edwin Hughes and Johnny Janak.
Pictured (L-R): Lodge Treasurer Mildred
Green, Granger Assistant Fire Chief Tommy
Filla and Lodge President Kathleen Kaderka.
Donations were also made to the Bartlett
and Weir VFD’s.
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LODGE 79
The Wheelock Volunteer Fire Department
held their business meeting on November 14,
2016. Nova Morava-Bryan Lodge 79 presented
the fire department with a donation. Linda
Wilson expressed appreciation to the
volunteer fire department for serving the
community. Pictured (L-R): VFD Fire Chief
Frank Little, Rollo Insurance representative
Morgan Moudy, Lodge Secretary Linda
Wilson and VFD Fireman Ed Grannan.
IDT911 is now CyberScout
TM
Effective January 11, 2017, IDT911 changed their name
to CyberScout . RVOS customers and their family
members can continue to count on identity, data
and cyber solution services that were offered with
IDT911. It is just the name that changed. You can visit
their new webbsite at www.CyberScout.com
and read more about the transition.
TM
LODGE 101
Waterloo Lodge 101 held their annual meeting in Bastrop, TX on November 15, 2016. It was approved at the annual meeting that monies would go
toward donations to local volunteer fire departments and scholarships.
Pictured (L-R): Lodge President Maurice
Hamann, District 2 Director Julius Dubcak
and Lodge Secretary/Agent Ron Randig.
Pictured (L-R): Agent Ron Randig, Thrall VFD
Member Hyatt Dunn and Lodge President
Mo Hamann.
Pictured (L-R): Agent Ron Randig, Coupland
VFD Members Steve Randig, Patrick Devers
and Al Shaw, Fire Chief Tracy Gardner and
Pictured (L-R): Bastrop VFD Fire Chief Mark Lodge President Mo Hamann
Wobus and Lodge President Mo Hamann.
In Sympathy
Five local students were each presented a $500
scholarship. Hunter Jaehne plans to attend
Texas Lutheran University majoring in Business
Management/Kinesiology, Tanner Volek plans
to attend Sam Houston University majoring in
Forensic Science, Crystal Lopez plans to attend
Texas State University majoring in Theatre, Zoe
Zamora plans to attend Texas A & M University,
Chelsea Suhr plans to attend Temple
Community College majoring in Psychology.
Pictured (L-R): Agent Ron Randig, Scholarship
recipients Hunter Jaehne, Tanner Volek,
Crystal Lopez, Zoe Zamora, Chelsia Suhr (not
pictured) and Lodge President Mo Hamann.
James Kulcak Lodge 27 Secretary
Werner E. Ahrens Past Lodge 66 Agent
Edward William Kuban Sr. Past Lodge 70 Agent
Albert Marsh Retired RVOS Staff Adjuster & Lodge 157 President
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LodgeNews
LODGE 127
Rozkvet-Jourdanton Lodge 127 donated
to three county organizations and eleven
volunteer fire departments on November
7, 2016. Pictured front row (L-R): ACCEPT
Coordinator Jeanne Ulrich, Atascosa County
Assistance Ministry (CAM) Director Rev. Junior
Jones, Cambellton “Paisano” VFD Fire Chief
Martin Llamas Jr., Christine VFD Treasurer
Jackie Jerkins, Leming VFD Fireman Timothy
Fournier, Poteet VFD Fire Chief Curtis
Adams, Rossville VFD Secretary/Firefighter
Jackie Cantu. Back row (L-R): Somerset VFD
Fire Chief Eddie Dugosh, Lodge President
Bobby Tymrak, Lodge Vice President John
R. Muckleroy, Lodge Secretary Bettie House
and Agent Janice Favor. Recipients not
present Atascosa County Crime Stoppers,
Ata-Bexar VFD, Charlotte VFD, Jourdanton
VFD and Pleasanton VFD.
LODGE 146
LODGE 151
LODGE 167
Twin Cities Lodge 151 held their annual
meeting in Arlington, TX on November 13,
2016. Pictured (L-R): Lodge Vice President
Gregory Stiborek, Lodge Agent/Secretary
Janie Rejcek, District 6 Director Rhonda
Steelman and Lodge President/Agent
Thomas Athas. Stephen Zalesak and Callie
Rejcek each received a scholarship from
Twin Cities Lodge 151. Stephen Zalesak has
an internship at UT Southwestern Hospital
in Dallas for sports therapy and Callie Rejcek
plans to major in criminal justice.
On November 12, 2016, Navarro County
Lodge 167 honored the local veterans at their
annual meeting held at the Cook Center in
Corsicana, TX. Pictured (L-R): Lodge President
Mike Richardson, District 6 Director Rhonda
Steelman, Lodge Secretary Anele Richardson,
Agent Denise Brown.
Pictured are the veterans at the annual
meeting of Lodge 167.
LODGE 210
Pictured (L-R): Lodge
Secretary/Agent Janie
Rejcek and Scholarship
recipient Stephen Zale.
Pictured (L-R): Scholarship
recipient Callie Rejcek
and Lodge Secretary/
Agent Janie Rejcek.
Floresville Lodge 210 held their annual meeting
on October 23, 2016. The lodge members and
guests in attendance enjoyed a meal and
music provided by the Kerr Creek Band.
LODGE 156
On December 11, 2016, Galveston CountyGalveston Lodge 146 donated $500 to the
Independence Village of Texas City an
assisted living facility for residences with
special needs. Pictured (L-R): Lodge President
Mike Reznicek, Director of Independence
Village Judy Slocu and Lodge Vice President/
Agent W.K. Leonard Jr.
Pictured (L-R): Zoe Puente (granddaughter of
Wiley & Mary Shockley) Mary Shockley, RVOS
President Wiley Shockley and Administrative
Assistant Misti Nixon.
Sweetwater Lodge 156 and RVOS donated
$500 each to the REHAB pig show. Lodge
member Homer Grimes presented the check
to REHAB Board of Director, Steve Smith &
Donor Recruiter of REHAB, David William.
Pictured (L-R): Homer Grimes, Steve Smith
and David Williams
Pictured (L-R): District 4 Director Dennis
Vanek and Donna Vanek.
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HomeOfficeNews
Applications for Elected
District Positions
Every four years at their respective district meeting delegates from the
district will elect a District Director, an Alternate District Director, a By-
are now available
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.
l
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 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.
l
The member must meet other qualifications as outlined in the Conflict of
Interest Statement or as set by the Association.
l
The member must hold at least $3,000 of insurance with the Association.
l
l
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.
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.
l
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.
l
The member must never have been disciplined or fined by a state department
or other regulatory body.
l
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.
l
The member must have been a member in the Association for at least three
years immediately prior to being elected.
l
Application Process
The following documents must be submitted to the Home Office at least 45 days prior to the district meeting:
l Application
l Signed Conflict of Interest Form
l PreCheck Disclosure and Authorization for background check
l Signed Exposure and Fiduciary Duty Form
Applications for District 5 must be received at the Home Office on or before September 13, 2017.
Applications for District 7 must be received at the Home Office on or before September 13, 2017.
Candidates who meet the above qualifications and are interested in one of the elective positions can contact
Wiley Shockley at [email protected] or Sharlet Sladecek at [email protected] to request an application.
Brazos County Youth Commercial
Heifer Show and Sale
The Brazos County Youth and Commercial Heifer Show and Sale was held on
October 14, 2016 in Bryan, TX. RVOS sponsored the 1st Place Record book and
Interview Award. Congratulations to Charli Josey on her accomplishment.
Pictured (L-R): Charli Josey and Judge Trey Scherer.
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District Meetings Scheduled
Delegates seated at the 2014 Convention will attend their
district meeting to elect the District Director, By-Law
Committee or Respective Alternate for their district.
DISTRICT 5 MEETING
DISTRICT 7 MEETING
Saturday, October 28, 2017
10:00 a.m.
The Courtyard at Marriott
4350 Ridgemont Dr
Abilene, TX 79606
Saturday, October 28, 2017
10:00 a.m.
Phillips Event Center at Briarcrest
1929 Country Club Dr.
Bryan, TX 77802
Representing Lodges
Representing Lodges
Abilene Lodge 20
Pokrok Flats-San Angelo Lodge 25
Amarillo Lodge 33
Pokrok Plains-Lubbock Lodge 37
Gerick-Stamford Lodge 89
Seymour Lodge 91
Pokrok Rolniku-Wichita Falls Lodge 93
Bomarton Lodge 95
Dougherty Lodge 116
Pokrok Thalia-Crowell Lodge 137
Lake Brownwood Lodge 154
St. Lawrence Lodge 155
Sweetwater Lodge 156
Bronte Lodge 157
Permian Basin-Seminole Lodge 164
Rotan Lodge 175
Buchanan Dam Lodge 181
Vernon Lodge 186
Panhandle Lodge 194
West Texas Lodge 204
Cisco Lodge 212
San Saba Lodge 218
Buckholts Lodge 4
Rosebud Lodge 8
Novy Tabor-Caldwell Lodge 9
Marak-Cameron Lodge 13
Snook Lodge 31
Frenstat Lodge 54
Bremond Lodge 71
Cameron Lodge 73
Nova Morava-Bryan Lodge 79
Olomouc-Bryan Lodge 81
Leonard-Bryan Lodge 92
Forest Glade-Mexia Lodge 124
Rockdale Lodge 149
Trinity Lodge 166
Cherokee Lodge 174
Tyler Lodge 178
Percilla Lodge 190
Waskom Lodge 222
2017 Legislative Session
Texas House District 55 State Representative and Texas State District 24
Senator’s Chief of Staff visited the RVOS Home Office recently to discuss
issues that might impact RVOS during the 2017 Legislative Session.
Pictured (L-R): RVOS President Wiley Shockley, District 55 State
Representative Hugh Shine, Texas State District 24 Senator Dawn
Buckingham's Chief of Staff Travis Richmond and RVOS Vice President
Wes Jackson.
RVOS Recipient of US Flag
Each year, Local Branch #31 of Catholic Life Insurance donates a flag to
someone in the community. Susie Strakos, a 40-year tenure RVOS employee
and a new officer of Local Branch #31 of Catholic Life, recommended that
this year’s flag be donated to RVOS Insurance. Both companies, RVOS and
Catholic Life Insurance, were organized in 1901. Since the two companies had
this in common, Susie thought it to be appropriate to make this donation to
RVOS. She is proud to be part of both companies.
Pictured (L-R): Susie Strakos, RVOS Secretary James Smith, RVOS Vice
President Wes Jackson, Local Branch 31 Vice President Matilda Klepac, Local
Branch 31 Secretary Marilyn Krumnow, RVOS President Wiley Shockley
63rd Annual Texas Young
Farmers Convention
RVOS participated in the 63rd Annual Texas Young Farmers Convention
held on January 7 in Gonzales, TX. The organization provides educational
programs designed to meet the needs of men and women with a vested
interest in agriculture. RVOS was a booth sponsor as well as the Photography
Contest Sponsor.
Pictured (L-R): TYF members and RVOS Lodge 70 members Sandra and Alan
Macik, RVOS Marketing Representative Jalene Baldwin and TYF Executive
Secretary and RVOS Lodge 124 member Don Beene.
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FinancialReport
FINANCIAL REPORT
YEAR END REPORT
Balance Sheet for the Year Ending December 31, 2016
FOR THE YEAR ENDING DECEMBER 31, 2016
ADMITTED ASSETS
POLICIES IN FORCE
Policies in Force (End of 2015)
Net decrease in policy count 2016
61,554
-4,972
TOTAL POLICIES (END OF 2016)
56,582
MEMBERSHIP
Membership (End of 2015)
Net decrease in membership 2016
53,391
-3,933
TOTAL MEMBERSHIP (END OF 2016)
49,458
INSURANCE IN FORCE
Insurance in Force (End of 2015)
Net decrease in insurance 2016
$13,585,518,882
$(687,699,014)
TOTAL INSURANCE IN FORCE (END OF 2016) $12,897,819,868
CLAIMS BY TYPE
FOR THE YEAR ENDING DECEMBER 31, 2016
ACCIDENTAL GLASS BREAKAGE
COLLAPSE
COLLISION
EXPLOSION
EXTENDED COVERAGE
FALLING OBJECT
FIRE
HAIL
LIGHTNING
MYSTERIOUS DISAPPEARANCE
OTHER
RIOT AND CIVIL COMMOTION
SETTLING/FOUNDATION
SMOKE
SPOILED FROZEN FOOD
THEFT
VANDALISM
VEHICLE/AIRCRAFT
WATER APPLIANCE RELATED
WATER DAMAGE
WATER DISCHARGE
WATER NON-APPLIANCE RELATED
WEIGHT OF ICE AND SNOW
WIND
TOTAL CLAIMS PAID
$31,998
$4,560
$186,020
$130,847
$295,087
$15,850
$7,728,904
$15,849,469
$542,143
$27,385
$86,603
$5,226
$1,767
$40,848
$2,558
$754,893
$100,546
$213,998
$967,826
$36,521
$3,103,187
$33,042
$7,431
$9,014,755
$39,181,463
Bonds
Stocks
Investment in Subsidiaries
Real Estate
Cash on Deposit
Investment Income Due and Accrued
Premiums Receivable
Income Tax Recoverable
Net Deferred Tax Asset
Other Assets
Total Admitted Assets
ROLNÍK
MARCH 2017
$2,720,014
$85,644,757
Liabilities and Surplus
Unpaid Losses and LAE, Net of
Reinsurance Recoverable
Unearned Premiums
Other Payables
$7,365,172
$34,667,825
$5,912,833
Total Liabilities
Policyholder Surplus
Total Liabilities and Policyholder Surplus
$47,945,830
$37,698,927
$85,644,757
Income Statement for the Year Ending December 31, 2016
Net Premiums Earned
Net Losses and LAE Incurred
Other Underwriting Expenses Incurred
Total Expenses
$58,553,296
$35,244,495
$18,151,356
$53,395,851
Net Underwriting Gain/Loss
Net Investment Income Earned
Other Income
$5,157,445
$859,506
$2,080,765
Net Income before Taxes
$8,097,716
Income Tax
$(108,201)
Net Income After Taxes
$8,205,917
Policyholder Surplus as of December 31, 2015
$27,128,391
Net Income
$8,205,917
Change in net unrealized capital gains/(losses)
Change in net deferred income tax
Change in nonadmitted assets
Change in provision for reinsurance
Current Year/Prior Year Surplus Adjustments
Policyholder Surplus as of December 31, 2016
10
$28,414,750
$7,078,752
$16,250,218
$1,704,893
$13,543,061
$171,682
$13,131,762
$198,321
$2,431,304
$70,622
$(2,725,383)
$4,667,782
$29,000
$322,598
$37,698,927
22150 RVOSFMI PUB 11 3_13_2017
FinancialReport
LOSSES PAID
for the Year Ending
December 31, 2016
#
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37
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63
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70
LODGE NAME
CLAIMS PAID
Ocker-Temple
$46,837
Moravan-La Grange
$6,055
Alvin
$38,246
Buckholts
$2,477
Seaton
$21,166
Dime Box
$4,501
Rosebud
$17,092
Novy Tabor-Caldwell
$140,211
Corn Hill
$7,190
Granger
$18,334
Marak-Cameron
$34,359
Rowena
$98,582
Holik-Brookshire
$30,340
Abilene
$183,654
East Bernard
$623,343
Taiton
$111,856
Nada
$81,224
Pisek-Fayetteville
$16,685
Pokrok Flats-San Angelo $436,958
Pierce
$94,692
Hillje-El Campo
$36,500
Buchanan Lake-Tow
$111,762
Wesley
$1,204
Snook
$48,544
Roosevelt-Waco
$30,949
Amarillo
$54,234
Vsetin-Hallettsville
$29,743
Pokrok Plains-Lubbock
$60,101
Novohrad-Moulton
$5,764
Greive-Schulenburg
$9,355
Moravia
$80
Praha-Flatonia
$3,335
Myrtle Springs
$143,603
Rydel-West
$17,077
Krizan-West
$597,717
Marak-Abbott
$300,147
Foit-West
$156,238
Svornost-Penelope
$78,978
Lysa Hora-Axtell
$87,616
Ennis
$191,484
Frydek-Sealy
$406,646
Colony-Rosharon
$24,604
Frenstat
$4,967
Shillerville
$178,292
Skidmore
$94,686
The Grove
$81,227
Sliva-Weimar
$48,752
Orech-Weimar
$14,745
Sedan-Weimar
$96,797
Komensky-Plum
$12,484
Hobson
$68,359
Cistern-Flatonia
$1,630
Palo Pinto Lodge #68
$44,450
Smithville
$16,713
Fojtik-Needville
$735,539
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124
125
127
128
129
133
134
136
137
139
140
141
142
143
146
Bremond
$6,428
Fayetteville
$421,743
Cameron
$88,460
Svoboda-Yoakum
$9,423
Palacios
$160,878
Ellinger
$8,373
Circleville
$648
West
$497,595
Nova Morava-Bryan
$74,153
Smetana-Bryan
$1,569
Olomouc-Bryan
$49,665
Holland
$65,455
Shiner
$27,623
Crosby
$185,197
Buggy Creek-Taylor
$222,532
Gerick-Stamford
$141,130
Lidice-Gonzales
$32,094
Seymour
$37,265
Leonard-Bryan
$77,430
Pokrok Rolniku-Wichita Falls $33,854
Rek Hill-Fayetteville
$17,603
Bomarton
$63,888
Kneitz-Richmond
$934,311
Novy Domov-Terrell
$102,757
Rosenberg
$31,332
Tyn-Ganado
$5,672
Waterloo
$215,220
Tioga-Whitesboro
$213,627
Svoboda-Floresville
$138,451
Robstown
$42,764
Praha-West
$560,569
Meeks
$9,840
Houston
$991,408
Waco
$287,442
Saint Bernard
$59,335
Corpus Christi
$100,775
Ruze Svobody-Crosby
$136,570
Pokrok Danbury-Danbury $508,113
Brno-Dayton
$688,526
Dougherty
$101,076
Ragsdale
$30,896
Rio Hondo
$40,725
Janak-Hallettsville
$8,738
San Gabriel
$375
Forest Glade-Mexia
$197,579
Mart
$146,018
Rozkvet-Jourdanton
$329,321
Guy's Store-Centerville
$106,841
Pottsboro
$473,265
Temple
$53,956
Tomsu Vernon
$231,266
Selma
$54,107
Pokrok Thalia-Crowell
$385,708
Bennview-Lolita
$87,476
Worthing-Hallettsville
$7,761
Alamo-San Antonio
$106,590
Dallas
$1,845,125
Academy
$15,114
Galveston
County-Galveston
$192,495
147 Sonoma-Ennis
$245,512
149 Rockdale
$96,365
150 Austin
$93,331
151 Twin Cities
$290,426
152 Silsbee
$824,814
153 Southeast Dallas
$271,613
154 Lake Brownwood
$370,181
155 St. Lawrence
$203,686
156 Sweetwater
$275,268
157 Bronte
$718,482
158 Clay County
$67,820
159 Gary
$47,500
161 Cleburne
$171,677
164 Permian Basin-Seminole $255,642
165 Linden
$274,362
166 Trinity
$101,794
167 Navarro County
$419,694
168 Hords Creek-Coleman
$230,357
169 Odessa
$20,974
172 Lewisville
$69,767
173 Mount Pleasant
$16,560
174 Cherokee
$456,927
175 Rotan
$195,147
178 Tyler
$136,519
179 Possum Kingdom
$19,580
181 Buchanan Dam
$30,754
182 Cap Rock
$832,003
183 Levelland Lodge
$96,389
185 Kirbyville
$165,386
186 Vernon
$257,101
188 Pasadena
$131,299
189 Bosque
$136,656
190 Percilla
$91,629
191 Freestone
$465,189
192 Quinlan
$177,310
194 Panhandle
$394,305
196 Bexar San Antonio
$566,594
197 Montgomery County
$630,011
199 Lake Livingston
$310,253
200 Tri-County
$30,784
201 Canyon Lake
$361,296
202 Stephenville
$102,147
204 West Texas
$107,956
206 Decatur
$44,462
207 Paris
$1,040,895
209 Ben Wheeler
$302,666
210 Wilson County
$1,433,100
211 Lone Star
Lodge-Montgomery Cty
$166,542
212 Cisco
$13,558
213 Pineywoods
$387,260
214 Caldwell-Guadalupe
$170,667
215 Texas Hills
$90,833
216 Central Texas
$28,797
217 Bandera County
$163,480
218 San Saba County
$316,935
219 Lampasas Springs
$129,460
220 Highland Lakes
$27,880
222 Waskom
$319,609
223 Bluebonnet
$584,331
224 Tejas
$8,681
226 Rolling Plains
$178,972
227 Hill Country
$43,604
228 Mid Cities
$673,760
230 Cypress Creek
$105,892
232 Richardson No Bull
$130,316
233 Mason County
$30,281
234 Richardson Insurance
$138,704
703 Southwestern Insurance
Center
$64,461
704 Westwind Insurance
Agency Inc
$66,005
705 Albin & Associates
Insurance
$23,740
706 Dickey, McGann & Rowe, Inc. $61,561
707 Kevin Wolf Insurance
$25,277
709 Puig Insurance Agency
$25,462
710 B & B Insurance Agency
$75,935
711 John King Insurance Agency $10,233
714 Fort Stockton Insurance
Agency
$11,141
715 The Insurance Store
$29,142
722 Dixie Dunavant Insurance $332,037
726 Ronnie Dunavant Ins
Agency
$189,370
729 Waley Insurance Agency
$15,121
731 Texstar Insurance Services $149,332
735 Barnard Donegan
Insurance
$250,350
736 Wellmann Insurance
Agency Inc
$33,808
744 Moore Insurance Agency $201,534
745 Hill Country Agency LLC
$828
747 Wallin Insurance
$55,473
751 Weischwill Insurance
$10,486
759 David Caylor Insurance
$35,915
761 Bruner Insurance Agency
$53,408
762 James A Young Insurance
Agency
$1,001
766 CBH Insurance Agency Inc. $38,159
769 Boulter Ins. Agency
$3,592
773 Danny Neskorik Insurance
$3,530
777 M Sorrells Ins Agency PLLC $25,417
779 Citizen Financial
Services Inc
$148,726
780 Seven Oaks Ins. Agency, LLC $10,867
782 Hermes Insurance
Agency, Inc.
$4,172
784 Frantzen,Kaderli & Klier Ins
$1,462
785 G & H Financial Ins Services $40,482
788 Toole Insurance Agency
$9,110
999 At Large Home
Office-Temple
$2,410,315
Total Claims Paid
$39,181,463
11
MARCH 2017
ROLNÍK
22150 RVOSFMI PUB 12 3_13_2017
PO Box 6106
Temple, Texas
76503
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