T E X A S F A R M E R An RVOS Insurance Publication
September 2018 Volume 104 | Issue 03
RVOS' first home in the Hammerschmid building - 1946
Building expansion - 1993
Moved to South 4th Street - 1950
Courtesy of Temple Public Library
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The new office was completed and the move in date was May 26, 1981.
RVOS continued to grow and needed more office space so in 1992 an addition was made to the building, doubling the size. The new addition took up the existing parking area, so 2.2 acres was purchased adjoining the existing property and additional parking space was constructed. At the end of 1993 the addition to the building and the new parking lot was completed.
To accommodate the continued growth and success of RVOS, interior office space was added in 1991 when 6 offices were added in back of the vault wall and in 2001 when 12 offices were constructed on the south wing. Interior remodeling was done in 2000 in the lobby area, 2003-comptroller’s office, 2005-3 offices added in the IT area, 2006-Vice President’s office remodeled, 2008 the President’s office and the Vice President’s office were re-located, and that office space was remodeled, and the latest in 2016 was the renovation of the floors, breakrooms and restrooms throughout the entire building.
I feel privileged being part of the construction of the new building and all the remodeling projects within it. In 1981 when the new office was built, Scott & White Boulevard north of the office was not opened to 31st street. Our building was the first to be constructed in the area and as more businesses came into the area, the traffic increased. There was one exit onto 31st street and it took long periods of time for customers, visitors and citizens of Temple to exit onto 31st street, so RVOS along with other businesses requested that Scott Boulevard be extended to 31st street. In 1994 that project was completed. What was trees and grass in 1979 is now buildings, concrete and pavement today. As Temple grows, my hope is that RVOS will continue to be prosperous and successful. Thank you, members, local lodge officers and agents for being a part of the growth and success of RVOS.
Humbly,
I have been reminiscing and was thinking back to when I began my career with RVOS and how things have changed since then. I wasn’t here of course when RVOS was organized in 1901 but I was here when the home office was located in downtown Temple. When those nine American citizens of the Czech descent organized RVOS they resided near the community of Ocker, in Bell County, Texas. Until 1946 most of the company business was handled by a treasurer and secretary who resided on their own farm in different parts of the State. During the Convention held in 1946 the delegates voted to create a home office. The home office was to be in Temple and both the secretary and treasurer were required to reside in Temple. Office space was rented in the Hammerschmid building located at West Avenue A and 1st Street. (Photo courtesy Temple Public Library.)
At the Convention held in 1950 it was determined that RVOS should own its own office building, and by majority vote of delegates the location of the home office was to remain in Temple. Property at 20 South 4th St. was purchased in 1950 and a permanent home office was established.
In 1974 property joining the building was purchased and the building was expanded in 1975.
As the years passed and RVOS business increased the building on South 4th became crowded. It was decided a larger office was needed to accommodate the growth. This initiated the purchase of property in 1979 at 2301 South 37th for the construction of a new building. The new building project began May 19, 1980.
UpFront
R O L N Í K SEPTEMBER 2018
UPFRONT2 Editorial3 Letter from the President
LODGENEWS 4 Lodge News 6 Lodge Meetings
HOME OFFICENEWS10 30th General Convention
Highlights12 Home Office News13 Service Pins
SHARLET SLADECEK Editor
editor Sharlet Sladecek
officers + directors
president Wiley Shockley vice president Wes Jacksonvice president-at-large Richard Hykel secretary James Smith
district directors
district 1 Joe W. LilesP.O. Box 366 | Holland, TX 76534
district 2 Julius Dubcak1400 Katie Lynch Dr. | Pflugerville, TX 78660
district 3 Tom Stavinoha10420 Will Lehman Rd | Needville , TX 77461 district 4 Dennis R. Vanek501 Kelly Crick Rd | Victoria, TX 77904
district 5 Jack W. Clark4000 S Georgia St, Ste B1 | Amarillo, TX 79109
district 6 Rhonda R. Steelman 5780 Loving Trail | Frisco, TX 75034
district 7 Wayne Wilson7026 E OSR | Bryan, TX 77808
home office 2301 S. 37th St.mailing addressP.O. Box 6106 Temple, Texas 76503-6106
800.792.3084 RVOS.com
published quarterly
circulation over 55,000official organRVOS Farm Mutual Insurance CompanyPeriodicals Postage Paid at Austin, Texas and additional mailing offices.
Subscription price per year, $1.00
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 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. 8750-9873USPS No. 540-020
Letter from the Editor
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UpFront
R O L N Í KSEPTEMBER 2018
T E X A S FA R M E R September 2018 Volume 104 | Issue 03
UPFRONT 2 Editorial 3 Letter from the President
LODGENEWS 4 Lodge News 6 Lodge Meetings
HOME OFFICENEWS10 30th General Convention
Highlights12 Home Office News13 Service Pins
WILEY SHOCKLEYPresident
RVOS Farm Mutual Insurance
Letter from the President
Hello and Zdravím všem,
Fall is in the air and the temperatures are now showing some relief from the summer heat which is a welcome sign of the changing of the seasons. The earth is an amazing place and I was curious about why a specific date marks the evolvement from one season to the next.
What does it mean when we have the autumnal or fall equinox and how is the exact day it occurs determined?
The word equinox comes from the Latin aequus (equal) and nox (night). During the equinox, the Sun crosses what we call the “celestial equator” (just imagine the line that marks the equator on Earth extending up into the sky) from north to south. Because of this, Earth’s two hemispheres receive the Sun’s rays about equally. The Sun is overhead at noon as seen from the equator, so at this point, the amount of nighttime and daytime (sunlight) are roughly equal to each other. It is the astronomical start of fall in the Northern Hemisphere and spring in the Southern Hemisphere. From here on out, the temperatures begin to drop and the days start to get shorter and the nights longer. Another fall highlight for me besides the cooler weather is that Daylight Savings Time finally comes to an end and the clock springs back to where it belongs.
That also means it is the time of year when most of our Local Lodges hold their annual membership meetings. Crops are being harvested and for the first 85 years or so in the history of RVOS, the fall season was a time when
our members came together to pay their annual insurance premiums and socialize to catch up on what was happening in their local community. Things have changed now where premiums come due year-round based on policy effective date and payments can be made with the push of a few buttons. Information about events around the community is available at your fingertips online. Even so, all members are still encouraged to attend their annual lodge meetings. Reports on lodge and company financials are provided by RVOS representatives in addition to updates on other changes and activities that have occurred within your company during the year. Local Lodge members provide valuable input regarding donations, scholarships, sponsorships and any other activity the lodge would like to be involved in to benefit the local area.
School is now back in session and thousands of students head back to the classroom. Good luck to all of you. I hope that you have a wonderful year and have the opportunity to make some amazing memories. Those operating motor vehicles should make sure and pay close attention when driving through school zones. Don’t text and drive and wait on having those phone conversations until you can pull over to a stop to avoid driving while distracted.
Have a safe autumn and an enjoyable upcoming holiday season.
Dobrý den and thank you for your continued membership.
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.
The following RVOS fee schedule is being provided for your information and convenience.
Annual Policy Fee - $25.00Quarterly Fee - $5.00 per quarter
Monthly Draft Fee - $1.00 per monthLate Fee: $25.00 per policy
The RVOS Insurance Group accepts electronic funds transfer (EFT) or credit card payment through Visa, Mastercard, American Express or Discover.
You can pay online by going to www.rvos.com/payments
.
Fee Schedule
Online Payments
Fraud Reward
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LodgeNews
R O L N Í K SEPTEMBER 2018
LODGE 3
Alvin Lodge 3 and RVOS District 3 Director Tom Stavinoha provided a donation to the Santa Fe Texas Education Foundation for the Santa Fe High School Art Department. The donation was presented to Executive Director Jodi Gidley by Lodge President Dana Huoni and Agent Kim Stellhorn.
LODGE 103Tioga-Whitesboro Lodge 103 President Brian Heitzman recently presented a $1,000 scholarship on behalf of the Lodge to Madison Barta, a graduate of Stuttgart American High School in Stuttgart, Germany. Madison is the daughter of Aaron and Melissa Barta and the granddaughter of Randy and Tommie Barta. She plans to attend Texas Tech University in Lubbock majoring in biology.
Pictured (L-R): Agent Kim Stellhorn, Santa Fe High School Executive Director Jodi Gidley and Lodge President Dana Huoni.
Pictured (L-R): Lodge Secretary Georgie Nors, Agent Bob Nors, Scholarship Recipient Devin Sembera and Lodge President Dorothy Uptmor.
The Grove Lodge 58 also presented a $500 donation during the July board meeting of the Moffat Volunteer Fire Department. It came at the most opportune time. The fire department has been busy fighting local fires and helping other fire departments in the county fight fires.
Pictured (L-R): Moffat VFD Board Vice President Scott Wilsey, Fire Chief Brian Falkenberg, VFD Board President Eugene Lange, and Agent David Coufal.
Krizan-West Lodge 46 presented Devin Sembera with a scholarship at the Lodge Social on June 10. Devin graduated from West High School and will be attending Texas State Technical College in Waco. His parents Dale and Kathy Sembera are members of the lodge. Congratulations Devin!
LODGE 46
A $500 donation was made to Little River Academy Volunteer Fire Department. They currently have 17 members servicing Little River Academy, also reaching out to Belton, Temple, Rogers, Holland, Heidenheimer and surrounding areas.
Pictured (L-R): Little River Academy VFD President Karen Hoelker, Fire Chief Becky Griffin and Agent David Coufal.
LODGE 58
Pictured (L-R): Randy Barta, Lodge President Brian Heitzman, Madison, Aaron and Tommie Barta.
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R O L N Í KSEPTEMBER 2018
LodgeNews
LODGE 133Temple Lodge 133 presented Ciara and Hannah Ochoa each with $1,000 scholarships. Ciara is attending Schreiner College and is studying to become a doctor and Hanna is attending Temple College to take her basics.
Pictured (L-R): Ciara Ochoa and Hanna Ochoa.
Dallas Lodge 142 donated $500 to Cornerstone Development for the 5th consecutive year to assist with providing supervised care for the youth of South Dallas. Cornerstone Development ministers to the underserved of South Dallas providing food, lodging, clothing, medical/dental and homeless services. Transitional housing has also been provided for RVOS members that have been displaced by storms. Because of their long-term outreach to the underserved of South Dallas they have made a big difference in the lives of many displaced Dallas citizens.
LODGE 142
Navarro County Lodge 167 awarded three RVOS-Joe Baumgartner Insurance scholarships to Corsicana High School graduating seniors on awards day. The three students, Kameron Betts, Corbin Legrand and Lesli Molina have been involved in athletic events and FFA throughout their four years in high school while maintaining a high-grade point average. Kameron Betts plans to attend Prairie View A&M. Corbin Legrand will be attending Sam Houston State University and Lesli Molina is joining the United States Navy entering boot-camp in the Fall. Lodge 167 wishes these students best success as they begin this new chapter in their lives.
LODGE 167
Pictured above left: 1) Agent Denise Brown and Kameron Betts; above right: 2) Agent Denise Brown and Corbin Legrand; pictured at right: 3) Agent Denise Brown and Lesli Molina.
Pictured (L-R): Cornerstone Summer Director for Youth Christine Hood and Agent Nick Pattillo.
LODGE 189The 67th annual Clifton Texas Rodeo was held July 13-14. Proceeds from the rodeo go towards scholarship for graduating seniors in Bosque county schools. It also provides sponsorship for kids to participate in the annual calf scramble for the purchasing of animal projects to show at the Central Texas Youth fair. Bosque Lodge 189 donated $500 to the rodeo this year.
Pictured: Dakota Underwood carrying the RVOS flag
Visit ourwebsite atrvos.com
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R O L N Í K SEPTEMBER 2018
LODGEMEETINGSOcker-Temple Lodge 1
Date: Sunday, October 21, 2018Time: 2:00 p.m. Meeting 4:00 p.m. MealPlace: SPJST Lodge 24 Flag Hall meeting roomRSVP: by October 17 to Sherry Kosel 254-721-4822 or 254-985-9222Notes: Prizes given after meeting
Seaton Lodge 5Date: Tuesday, October 16, 2018Time: 7:00 p.m.Place: Seaton Star Hall Seaton, TXNotes: All members are encouraged to attend.
Dime Box Lodge 6Date: Sunday, October 28, 2018Time: 3:00 p.m. Social 4:00 p.m. Meeting 5:00 p.m. DinnerPlace: Trinity Lutheran Parish Hall Dime Box, TXRSVP: by October 19 to Charlotte Mikulin 979-884-3690 or email [email protected] Notes: Must register for door prizes prior to meeting.
Alvin Lodge 3Date: Saturday, October 27, 2018Time: 11:30 a.m. – 1:00 p.m.Place: Spring Creek Barbeque 2710 Gulf Fwy S., League City, TX
Marak-Cameron Lodge 13Date: Sunday, October 7, 2018Time: 2:00 p.m.Place: Marak Parish Center (5 miles northwest of Cameron FM 2269, Marak, TX)RSVP: by October 3 to Agnes Kostroun 254-697-2830 Notes: Register for door prizes from 1:00-2:00 p.m. Meal and refreshments following meeting
Holik-Brookshire Lodge 18Date: Saturday, October 6, 2018Time: 4:30 p.m.Place: Repkas Restaurant 84841 Buller Rd., Brookshire, TX Notes: Meal and door prizes
Novy Tabor-Caldwell Lodge 9Date: Monday, November 5, 2018Time: 5:30 p.m.Place: New Tabor SPJST #17/CSA HallNotes: Meal will follow meeting. Invitations will be mailed to members with RSVP information.
Abilene Lodge 20Date: Thursday, October 18, 2018Time: 6:00 p.m.Place: Rosa's 1026 N. Judge Ely Blvd., Abilene, TXRSVP: by October 12 to Gail Meister at 325-692-0231 Notes: Dinner, meeting, door prizes
East Bernard Lodge 21Date: Sunday, October 21, 2018Time: 5:00 p.m. Cocktails 6:00 p.m. DinnerPlace: Legion Hall East Bernard, TX
Nada Lodge 23Date: Sunday, October 14, 2018Time: 5:00 p.m.Place: St. Mary’s Family Life Center Nada, TX
Pisek-Fayetteville Lodge 24Date: Sunday, October 28, 2018Time: 11:00 a.m. Place: KJT Hall Fayetteville, TXNotes: Refreshments and meal will be served.RSVP: by October 24 to 713-682-0311 or 281-221-3430.
Snook Lodge 31Date: Sunday, October 21, 2018Time: 12:00 p.m. – 1:00 p.m.Place: Snook SPJST Hall 457 CR 269, Snook, TXNotes: Catered meal will be served. RSVP: by October 15 to 979-272-1243 or 979-272-8464.
Novohrad-Moulton Lodge 39Date: Sunday, October 21, 2018Time: 12:00 p.m.Place: Senior Citizens Center Moulton, TX
Myrtle Springs Lodge 43Date: Monday, October 15, 2018 Time: 5:30 p.m. Place: Eustace Fire Department building Hwy 175, Eustace, TXNotes: For directions call 903-887-8887 or 903-675-1025
Rydel Lodge 45Date: Sunday, October 7, 2018Time: 3:00 p.m.Place: old K. C. Hall 2547 Jerry Mashek Dr., West TXNotes: Meal to follow meeting
Krizan-West Lodge 46Date: Sunday, October 7, 2018Time: 11:30 a.m. Hall Opens 12:30 p.m. Meal ServedPlace: Cottonwood Hall West, TXNotes: Members are asked to bring desserts.
LodgeNews
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R O L N Í KSEPTEMBER 2018 R O L N Í K
LODGEMEETINGSFoit-West Lodge 48
Date: Sunday, November 11, 2018Time: 3:00 p.m.Place: Tours Hall Tours, TXNotes: Door prizes and catered meal following meeting
Shillerville Lodge 55Date: Thursday, October 11, 2018Time: 5:30 p.m.Place: Golden Corral 5102 N Navarro Victoria, TX
Cameron Lodge 73Date: Monday, October 1, 2018Time: 6:30 p.m.Place: Bea’s Kitchen Cameron, TX
Svornost-Penelope Lodge 49Date: Sunday, October 21, 2018Time: 4:00 p.m. Meeting 5:00 p.m. DinnerPlace: Penelope Parish Hall
West Lodge 78 & 106Date: Sunday, November 4, 2018Time: 3:30 p.m. Doors Open 4:30 p.m. Meeting with meal to followPlace: Tours HallNotes: Meal including dessert will be served.
Nova Morava Lodge 79 Date: Friday, November 2, 2018Time: 12:00 noon Place: Wilson Cattle Company 7026 East OSR, Bryan, TX RSVP: Linda Wilson 979-218-1801
Palacios Lodge 75Date: Sunday, October 14, 2018Time: 1:30 p.m.Place: PMR 511 Main St, Palacios, TX
Smetana-Bryan Lodge 80Date: Sunday, October 28, 2018Time: 12:30 to 2:30 p.m.Place: C & J Barbeque 1010 S. Texas Ave., Bryan, TXRSVP: 979-823-6815 979-779-1902
Olomouc-Bryan Lodge 81Date: Sunday, October 7, 2018Time: 12:00 p.m. to 2:00 p.m.Place: C & J Barbeque (located in the bend) Bryan, TXNotes: Barbeque lunch, dessert and door prizes
Crosby Lodge 85Date: Saturday, October 13, 2018Time: 12:00 p.m.Place: China Ko Restaurant 13815 FM 2100, Crosby, TX
Buggy-Creek Taylor Lodge 87Date: Saturday, October 13, 2018Time: 4:00 p.m. Social 5:00 p.m. Meeting 7:30 p.m. DancePlace: SPJST Hall (upstairs) 5025 FM 619 (1 mile North of Hwy 79 East) Taylor, TX Notes: Meal following meeting
Gerick-Stamford Lodge 89Date: Thursday, October 11, 2018Time: 6:00 p.m.Place: Comancho Bar & Grill 1201 Swenson, Stamford, TXRSVP: by October 6 to Gail Meister 325-692-0231 Notes: Dinner, meeting, door prizes
Lidice-Gonzales Lodge 90Date: Thursday, November 15, 2018Time: 11:30 a.m.Place: Toni’s Food Store 209 St. Lawrence St., Gonzales, TXRSVP: Georgia Pavliska 830-672-3056
Leonard-Bryan Lodge 92Date: Tuesday, October 2, 2018Time: 5:30 Social 6:00 DinnerPlace: C&J Barbeque 1010 South Texas Ave., Bryan, TXRSVP: by September 26 to Charlotte Dick 979-778-1843
Tioga-Whitesboro Lodge 103Date: Sunday, October 14, 2018Time: 2:00 p.m.Place: Pilot Point Community Center 739 E. Liberty St., Pilot Point, TX
Meeks Lodge 107Date: Sunday, October 28, 2018 Time: 3:00 p.m.Place: Ratibor Country GrillNotes: Meeting, meal, door prizes
LodgeNews
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R O L N Í K SEPTEMBER 2018
LODGEMEETINGS
Date: Thursday, October 4, 2018Time: 6:00 p.m.Place: Casa de Castillo, 4820 Sanger Ave., Waco, TX
Crosby Lodge 113Date: Saturday, October 20, 2018Time: 11:30 a.m.Place: China Ko Restaurant 13815 FM 2100 Ste. A, Crosby, TXRSVP: by October 12 to Lisa Alexander 832-444-6261
Houston Lodge 108Date: Sunday. October 14, 2018Time: 2:00 p.mPlace: SPJST Lodge 88 Annex Bldg. 1435 Beal St., Houston, TXNotes: Meal following meeting
Bryno-Dayton Lodge 115Date: Saturday, October 20, 2018Time: 12:30 p.m.Place: Dayton Community Center Ballroom B 801 S. Cleveland St., Dayton, TX Notes: Bring a dessert to share (optional) – no to-go plates
Ragsdale Lodge 117Date: Thursday, October 4, 2018 Time: 5:30 p.m.Place: The Golden Corral meeting room Victoria, TX
Pokrok Danbury-Danbury Lodge 114Date: Saturday, October 13, 2018Time: 11:30 a.m.Place: Danbury Community Center 6067 5th St., Danbury, TX Notes: Catered meal served with meeting to follow
Forest Glade-Mexia Lodge 124Date: Monday, October 1, 2018Time: 6:00 p.m.Place: Farm House Restaurant Mexia, TX
Temple Lodge 133Date: Thursday, October 18, 2018Time: 6:00 p.m.Place: Jody’s Family Restaurant Temple, TX
Selma Lodge 136Date: Saturday, October 6, 2018Time: 11:00 a.m.Place: Herbert’s Taco Hut 1440 North Walnut Ave., New Braunfels, TXNotes: Lunch will be served
Alamo Lodge 141Date: Sunday, October 21, 2018Time: 1:30 p.m.Place: Snoga’s 2567 Goliad Rd., San Antonio, TXNotes: More info call: Mary V. Holub 210-333-2915 Meal, meeting and door prizes
Academy Lodge 143Date: Sunday, October 21, 2018Time: 5:00 p.m.Place: Bliss Hall 109 S. Evans St., Little River, TX
Galveston County-Galveston Lodge 146Date: Sunday, October 21, 2018Time: 12:00 p.m. Meal 1:00 p.m. MeetingPlace: Trinity Lutheran Church 2011 Palm, La Marque, TX
Sonoma-Ennis Lodge 147Date: Monday, October 15, 2018Time: 7:00 p.m.Place: Sokol Dining Room, Ennis, TX
Rockdale Lodge 149Date: Saturday, October 27, 2018Time: 4:30 p.m. 5:00 p.m. meetingPlace: Knights of Columbus Hall meeting roomNotes: Meal and door prizes
Family Day/Christmas partyDate: Sunday, December 9, 2018Time: 12:30 p.m. Meal servedPlace: Geneva Hall, Elm Mott, TXNotes: Dinner and door prizes
Waco Lodge 109
LodgeNews
LodgeNews
R O L N Í KSEPTEMBER 2018
9
LODGEMEETINGSSoutheast Dallas Lodge 153
Date: Saturday, October 27, 2018Time: 12:00 p.m. – 2:00 p.m.Place: Spring Creek BBQ Mesquite 3939 West Emporium Circle, Mesquite, TX
Cherokee Lodge 174Date: Thursday, October 11, 2018Time: 5:00 p.m.Place: Giovannis Restorante Italiano 2027 W. Oak, Palestine, TXRSVP: Frances Coleman 903-586-0663Notes: Dinner, meeting, door prizes
Tyler Lodge 178Date: Monday, October 1, 2018Time: 6:00 p.m.Place: Spring Creek BBQ 5810 S. Broadway Ave., Tyler, TX
Lewisville Lodge 172Date: Friday, October 19, 2018Time: 1:00 p.m.Place: Giuseppe’s Italian Restaurant 821 N. Locust St., Denton TXNotes: Lunch and meeting will be heldInfo: Joneen Haisler, 940-387-9179
Bosque Lodge 189Date: Tuesday, October 9, 2018Time: 6:30 p.m. Place: Chicken Express 621 W 5th St., Clifton, TXRSVP: 254-675-3931 if you plan to attend
Percilla Lodge 190Date: Thursday, October 4, 2018Time: 5:00 p.m. Social 5:30 p.m. MeetingPlace: Office of Financial Insurance Services 350 FM 228, Grapeland, TXRSVP: Mike Goolsby 936-687-2419
Lubbock Lodge 183Date: Saturday October 13, 2018Time: 10:00 a.m.Place: Hanna Insurance 5141 69th St., Lubbock, TXRSVP: by October 8 to Wes Hanna, 806-687-2408, [email protected] Notes: coffee and donuts will be served
Freestone Lodge 191Date: Friday, October 5, 2018Time: 10:00 a.m.Place: Office of Rollo Insurance 324 W US Hwy 84, Fairfield, TX
Quinlan Lodge 192Date: Tuesday, October 23, 2018Time: NoonPlace: Luigi’s Italian Restaurant Quinlan, TX
Montgomery County Lodge 197Date: Saturday, November 3, 2018Time: 1:00 p.m.Place: New Waverly Church of Christ Fellowship Hall behind church 102 West Highway 150, New Waverly, TXRSVP: Gladys Dorman 281-381-9896 or [email protected]: Meal will be furnished
Lake Livingston Lodge 199Date: Thursday, October 18, 2018Time: 5:30 PMPlace: Catfish King 1100 US 59 Loop N., Livingston, TXNotes: Enjoy a meal and door prizes.
Canyon Lake Lodge 201Date: Tuesday, October 9, 2018 Time: 6:00-7:30 p.m.Place: Rudy's Bar-B-Q 844 Loop 337, New Braunfels, TX RSVP: Meadows Insurance Agency 512-392-9000
Waskom Lodge 222Date: Thursday, October 11, 2018Time: 5:00 p.m.Place: Hal Norris Insurance Agency office
Bluebonnet Lodge 223Date: Friday, October 26, 2018Time: 4:00 p.m.Place: 220 E. Washington Ave., Navasota, TX RSVP: by October 19 to 936-825-6789
Sunday Delegate Registration
Remembering RVOS Deceased Members
Sunday Evening Reception
Sunday Evening Dinner
Sunday Evening ReceptionSunday Dinner
Delegates and Guest speaking
Picture highlights from the
held June 18, 2018 at the Waco
Convention Center
3oth AnnualGeneral Convention
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R O L N Í K SEPTEMBER 2018
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R O L N Í KSEPTEMBER 2018
Monday Lunch
Delegation
Setting Up in Anticipation
RVOS Delegates
Sunday Evening Dance
RVOS Polka Musicians
Timekeeper, Secretaries, Parliamentarian, Vice Chair, Chair, Bylaw Committee
Monday Morning Break
Officers and Directors Sworn In
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R O L N Í KSEPTEMBER 2018
HomeOfficeNews HomeOfficeNews
Backpack Buddies 2018 – TISD
The Temple ISD hosts a Backpack Buddies program each year which assists in providing pre-registered children with school supplies for the school year. Home Office employees donated 9 filled backpacks with extra supplies that were delivered on August 3.
Our goal here at RVOS Farm Mutual Insurance is to correlate the rates charged for our insurance policies as closely as possible to the actual cost of claims. Rates that are too high will cause the Company to lose customers and rates that are too low will cause the Company to lose money and deplete surplus. The continuous search for accuracy is good for both our consumer members and for RVOS as a company.
On April 1st, 2015 RVOS implemented the usage of credit information as part of its overall underwriting process by assigning each member an insurance score which is a numerical ranking based on a person's credit history. This is done either at time of application or the renewal of a policy. Actuarial studies show that how a person manages their financial affairs is a good predictor of insurance claims.
An insurance credit score is a number or rating statistically derived from a mathematical formula, computer application, model or other process that is based on credit information and used to help predict the future insurance loss exposure of a consumer. This is different than a regular credit score which can be a factor on whether you receive a loan for a house or a car. Use of credit information is not a new concept and has been in use for decades, as research shows there is a correlation between credit characteristics (credit-based insurance scores) and insurance losses.
A person's creditworthiness can help determine the likelihood that a person will repay his or her debts based on, among other things, that person's past credit history. Insurance premiums at RVOS are not calculated solely on the credit related insurance score. It is used as only one component in the overall rating process, which also includes the use of geographical loss history experience, construction type, roof type, occupancy type and location in regard to rural or city.
Use of Credit Information A Positive Step to Help Offset Cost of Claims
A credit-based insurance score is used to help insurance companies attempt to identify which customers are least likely to file claims. With credit-based insurance scoring the majority of consumers benefit because they are not subsidizing people who are worse insurance risks than themselves, those being people who are more likely to file claims than they are. People who have a higher credit related insurance score and who are statistically less likely to file a claim pay a lower amount of premium for their insurance while people who have a lower credit related insurance score and are more likely to file a claim pay a higher amount of premium for their insurance.
RVOS is aware that every individual has their own financial circumstances. Just because someone has a low credit rating does not mean that person is a bad insurance risk. In turn, just because someone has a high credit rating does not mean that person is a good insurance risk. Claims free discounts are available to all credit related insurance score categories for those who have a good loss history with RVOS. So, even if you don't have the best credit rating, you are still eligible to receive discounts for being claims free. If you have a favorable credit rating and are also claims free, then the discount credits for both factors would be applicable to you.
The Texas Insurance Code under section 559.053, requires that an insurer disclose to the customer that it has ordered a numerical credit related insurance score if credit information is used as part of the insurers standard process in determining the overall premium calculation. A Use of Credit Information Disclosure notice is included with every new policy application or each renewal policy package.
RVOS contracts with LexisNexis Risk Solutions as its provider of consumer reports to retrieve credit information in compliance with the Fair Credit Reporting Act and the Consumer Credit Reform Act.
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R O L N Í K SEPTEMBER 2018
HomeOfficeNews HomeOfficeNews
Deepest SympathyCarl Ackerman – Past Lodge 194 President Craig Leach – Past Home Office Adjuster
Jackie Blankenship was recognized July 14 for her 10 years of service with RVOS. Jackie earned her BBA from the University of Mary Hardin Baylor in 2003. Before coming to RVOS she worked at PFG as a staff accountant for 3 years, and 3 years at Brockway, Gersbach, Franklin, & Niemeier as a staff auditor. She began her RVOS career as a staff accountant and in October 2009 was promoted to Senior Accountant. She currently serves as Assistant Controller. Jackie and her husband Nathan have 3 daughters, Ava age 11,
Olivia age 9, and Devan age 22. She and her family live in Temple. Jackie enjoys spending time with family, traveling, food and wine, camping, and relaxing. We congratulate Jackie and wish her many more years-service.
RVOS Service Pins
Margaret Burns was recognized July 14 for 10 years of service with RVOS as the IT Administrator for Computer Services. Margaret began her 24-year insurance career in 1989 as an independent agent before eventually transitioning into claims with Progressive Insurance. Prior to RVOS, she was the Senior Bodily Injury Negotiator in the Litigation Department of Unitrin-Travelers in Dallas. Margaret holds both the Associate in Claims (AIC) and Legal Principles Claims Specialist (LPCS) designations. Margaret has been married
for 27 years to her high school sweetheart, Jim, and they attend St. Luke’s Catholic Church in Temple. They have 2 daughters, a 14-year-old son and a new grandson. She enjoys spending time with her family, scrapbooking, and pursuing the study of science and our legal system. We congratulate Margaret and wish her many more years-service.
10 YEARS 10
YEARS
Jennifer Tovar was recognized on June 24 for 5 years of service with RVOS. Jennifer began her career in the Claims Department as a Claims Processor and currently serves as the Replacement Cost Claims Specialist. She graduated from Temple High School. She resides in Cameron Texas with her four girls Isabella, Jasmine, Khara and Jade. After a day’s work at RVOS she stays busy taking her girls to their volleyball, basketball, track and softballs games. She enjoys being a mom. In her free time, she likes ziplining and skydiving. We congratulate
Jennifer and wish her many more years-service with RVOS.
Carol Dickerson was recognized on August 21 for 5 years of service with RVOS. Carol began her career in the Communications Department as Receptionist and currently serves as an Accounting Clerk in the Accounting department. Carol was born in Clifton, Texas and now lives in Temple. She is a graduate of Odessa High School. She has two daughters and two grandsons. In her spare-time she enjoys gardening, sewing, cooking and traveling. We congratulate Carol and wish her many more years-service with RVOS.
5 YEARS 5
YEARS
PO Box 6106Temple, Texas
76503
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RVOS' first home in the Hammerschmid building - 1946
South 4th Stree
t building expa
nsion - 1975
Built new office at current location - 1981
