Friday, October 7, 2016

Nobody likes Water damage...

One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home.


At Ruzicka Insurance Services, we know you want to protect what’s important. That’s why we’re offering these tips to help you prevent many of the most common causes of water damage.


Just a little time and some effort can prevent a lot of heartache and hassle.

  • Make sure your water pressure is not set too high. For just $6 or so, you can purchase a gauge that will help you test your pressure for the appropriate level, which should be set between 60 and 80 PSI.
  • Standard hoses on new appliances are not as durable as they used to be. So check your appliances. If they’re rubber, either replace them with longer lasting stainless steel braided hoses or replace them every three years.
  • Keep water from leaking into the walls or floor of your bathroom by replacing cracked tiles and re-grouting when it’s needed.
  • Examine the shingles on your roof. Worn, curled or missing shingles allow water in, so replace them as soon as noticed.
  • Consider buying a water alarm, which can help you find leaks, or automatic shut-off mechanisms, which can help avoid bursts.
  • A lot of water damage occurs when you and your family are away from home.  Make a practice to avoid running the washing machine or dishwasher while you’re out.
  • When you leave for vacations, turn off the water supply to appliances.
  • Keep up maintenance on all appliance hoses, because slow leaks from worn out hoses can cause major damage (and they are not covered under Homeowners insurance).


At Ruzicka Insurance Services, we hope these pointers will ensure your house stays nice and dry this year! 


Contact Us!


At Ruzicka Insurance Services, we can work with you to make sure you've got the coverage you need, while at the same time using all possible credits and discounts to make that coverage affordable. Just give us a call at 281-565-7550 or send us a note at . We want to help you meet your goals, and make sure what's important to you is protected!


Content provided by Safeco Insurance

Wednesday, August 31, 2016

Replacement Parts for Your Car

Many auto insurance policies these days cover damage to your car with quality replacement parts. This usually means secondary or after-market parts that are like kind and quality. However, some companies offer an option to upgrade to Original Equipment Manufacturer parts - the parts offered by the maker of the car. If you are concerned about that, ask for it. The extra cost might be worth it to you.

Sunday, July 3, 2016

Happy Birthday America

What a great land we live in! It started with a Great Awakening in the 1740s 50s 60s and 70s. The big catalyst we all like to remember is the Boston Tea Party, but there was also the Stamp Act, and the Declaratory Act that got many of the folks enraged enough to do something about the problem.

There are still many people who come here because of what we have here. Yes some illegally, but many through the right channels. We have our challenges, but its how we deal with them that makes us different. American exceptionalism is alive and well. Just look around and you can see it.

Thank a soldier. Vote. Enjoy your freedom on this holiday. Pray for our future, our leaders, our fellow countrymen. Independence Day, July 4 1776 and 2016.

Monday, June 13, 2016

Flag Day 2016 - Thoughts for today

Tuesday is Flag Day. When I was first thinking of this, I hadn't heard about the tragedy in Orlando yet. Today, many flags are at half staff,

in remembrance of those who lost their lives by hate of someone else. The flag symbolizes many things, the 50 states, bravery, suffering, purity. For each of us, it represents something more personal, emotional, contemplative. It is said that naturalized citizens from foreign countries have a different perspective on what the flag means than natural born citizens. Americanism is a somewhat vague concept, but is felt by most of us, especially in time of tragedy or historical reference. Flag day isn't as well known as other national celebration days. It isn't a day off, but its the day the Flag was adopted. Its known around the world, but has the most meaning to us. Whether in times of trouble or tragedy, abundance or success, the Flag remains, constant and diligent, but only because of the people who make up what it stands for.

Friday, May 27, 2016

Memorial Day 2016

It's not just a 3 day weekend. It's remembering those who gave of themselves, many of them in battle, so that we could be free. We are still the greatest nation on earth, and many around the world look up to us. This weekend we honor those who made that possible, and a very grateful to them for the ultimate sacrifice they paid for our freedom. Enjoy the weekend with your family and friends remembering why we can do this.

Have a great Memorial Day weekend!

Thursday, April 21, 2016

The Storm of 2016, Houston Texas

The recent storms in the Greater Houston area this week have caused untold damage, hardship, struggles, inconvenience and loss. That goes without saying. Some areas are still experiencing accelerated flooding and damage due to waterways absorbing water from upstream. The daily rains have also not helped.
Flooding is the major risk factor for most of this, and is covered by a flood policy for a residence. It may also be covered by an auto policy for your auto if you have comprehensive coverage. Here is some helpful information to use and pass on.
Carriers are aware of the catastrophe incident and are responding.  Safeco, Travelers, Progressive and others have activated a catastrophe response plan that brings additional people and resources into the area to address the needs of folks who are impacted by the storm this week.
Rental car companies are moving inventory of vehicles into the area to accommodate the expected surge in demand for rental vehicles. This will specifically be available to claims related requests.
Here are some things you should do to help yourself and your family, and protect your property –
·         Protect your loved ones first
·         Do your best to protect property, without putting yourself in harms way.
·         If possible and safe, take pictures. This will help document damage that might not be the same when an adjuster shows up.
·         Do your best to prevent further damage, again without exposing yourself to injury or danger.
·         Don’t drive into flooded areas. Avoid driving at night in unfamiliar areas
See the following links for more information –
Lastly, we have had some inquiries about getting flood insurance. It is generally a good idea. As we saw on Monday, if it rains hard enough long enough, anywhere can flood. Flood insurance generally has a 30 day waiting period before the policy goes in force. Homeowner policies do not cover flood. Please contact us if you are interested. It won’t help for this week, but can help you in the future.
For more information or to contact us, go to our website
Please feel free to share this anywhere.

Tuesday, April 12, 2016

Do you have a place for safekeeping?

Securing Important Documents and Treasures

from our friends at Safeco
Spring has arrived, which means it’s time to clean the cobwebs out of the corners, organize the closets and so forth. While you’re at it, don’t forget to revisit the important documents and other items you have in your home safe and in that safe-deposit box at the bank.
What documents do you need to keep? What can your shred? Are your valuable items properly secured?
Wait, what’s that? You don’t have a home safe? Or a safe-deposit box? Well, let’s look at why you may want to get one – or both – and what to keep inside.
Home Safes
Oftentimes these are well suited for safeguarding important documents and valuable things you access somewhat regularly, such as jewelry or watches. Keep in mind that while residential safes help protect against fire and theft, they often aren’t as robust as commercial models. For the best protection in a home safe, select a model that is heavy enough that a burglar couldn’t make off with it, and consider bolting it to the floor. Here are some of the things you may want to keep inside:
  • Insurance policies and your agent’s contact information.
  • Passports, original birth certificates and Social Security cards.
  • Photocopies of passports, credit cards and driver’s licenses, in case they are ever lost or stolen from your purse or wallet.
  • Tax documents and tax returns, from the past six to seven years.
  • A list of your family’s medical information and contacts, including doctors, pharmacies and medications.
  • Investment and banking documents, including billing contact information, as well as emergency cash.
  • Heirloom and other valuable jewelry and watches.
  • Wills and other important legal documents, including wills that list you as the executor.
  • Computer backup disks or drives, or other small electronics you don’t use regularly.
  • Safe-deposit box keys.
Safe-Deposit Boxes
Speaking of safe-deposit boxes, are they an old-fashioned notion or something that’s worth your while? To answer that question, U.S. News & World Report recommends gathering everything you might want to store in a safe-deposit box and then determining whether you feel secure enough storing it all at home.
If not, a safe-deposit box may be a better, more secure option. A bank is more heavily guarded that your home, after all – against theft, fire and other disasters.
If you do decide on a safe-deposit box, here’s what you might want to keep in it:
  • Originals of key documents, such as property deeds, car titles, etc.
  • Valuable collections or family keepsakes that you don’t access very often.
  • Pictures or videos from your home inventory to use for insurance purposes.
If not, store these items in your home safe. And, here’s what NOT to put in a safe-deposit box:
  • Anything you may need to access quickly, such as passports, powers of attorney documents, etc.
  • Cash. Not only will your money not earn interest in a safe-deposit box, it won’t be protected by FDIC insurance, either.
Remember, putting something in your home safe or a safe-deposit box is more secure than stashing it in your sock drawer, but it doesn’t guarantee anything, either. So, think about having document backups, as well as insurance for your valuable items.
After all, if something is valuable enough to lock up, isn’t it valuable enough to insure, too? Talk to your independent agent about your personal property coverage and about scheduling any high-value items, especially expensive jewelry and collectibles, separately.

Spring Clean Your Insurance Policies, Too

Could your insurance policies use a little sprucing up this spring as well? After a remodel or addition to your home, a significant investment in new personal property or an upgrade to your wheels, check in with yourindependent insurance agent to be sure you have the coverage you want. Our blog on annual insurance reviews offers some helpful guidance.