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Reinsurance (Tables)
 9 Months Ended
Sep. 30, 2013
Reinsurance Premiums for Insurance Companies, by Product Segment [Line Items]  
Effects of Reinsurance [Table Text Block]
The table below summarizes the amounts of our ceded premiums written under the various types of agreements, as well as the amortization of prepaid reinsurance premiums:

 
Three Months Ended September 30,
 
Nine Months Ended September 30,
 
2013
 
2012
 
2013
 
2012
Excess-of-loss
$
1,190

 
$
1,351

 
$
(109,893
)
 
$
(102,909
)
Equipment & Identity Theft
(707
)
 
(395
)
 
(1,862
)
 
(1,117
)
Flood
(3,951
)
 
(3,231
)
 
(10,602
)
 
(8,729
)
Ceded premiums written
$
(3,468
)
 
$
(2,275
)
 
$
(122,357
)
 
$
(112,755
)
Increase (decrease) in ceded unearned premiums
(27,849
)
 
(26,060
)
 
34,532

 
36,807

Ceded premiums earned
$
(31,317
)
 
$
(28,335
)
 
$
(87,825
)
 
$
(75,948
)
Schedule of catastrophe losses by size
Current year catastrophe losses by the event magnitude are shown in the following table.

 
 
2013
 
2012
 
 
Number of Events
 
Incurred Loss and LAE (5)
 
Combined Ratio Impact
 
Number of Events
 
Incurred Loss and LAE (5) 
 
Combined Ratio Impact
Three Months Ended September 30,
 
 
 
 
 
 
 
 
 
 
 
 
Current period catastrophe losses incurred
 
 
 
 
 
 
 
 
 
 
 
 
$ 1 million to $5 million
(1) 
—

 
—

 
—
%
 
1

 
1,529

 
5.1
%
Less than $1 million
(2) 
3

 
127

 
0.3
%
 
1

 
201

 
0.6
%
Total
 
3

 
127

 
0.3
%
 
2

 
1,730

 
5.7
%
 
 
 
 
 
 
 
 
 
 
 
 
 
Nine Months Ended September 30,
 
 
 
 
 
 
 
 
 
 
 
 
Current period catastrophe losses incurred
 
 
 
 
 
 
 
 
 
 
 
 
$ 1 million to $5 million
(3) 
1

 
1,904

 
1.4
%
 
2

 
2,885

 
3.3
%
Less than $1 million
(4) 
2

 
1,818

 
1.3
%
 
—

 
—

 
—
%
Total
 
3

 
3,722

 
2.7
%
 
2

 
2,885

 
3.3
%
Note: A storm can be in one loss size for the quarter and a different loss size for the year dependent upon the losses paid for that particular storm during the specified time frame.
(1) Reflects losses from Tropical Storm Isaac in 2012.
(2) Reflects losses from Winterstorm Nemo, the Orlando weather event in March and Tropical Storm Andrea in June 2013, and Tropical Storm Debby in 2012.
(3) Reflects losses from Winterstorm Nemo in 2013 and Tropical Storms Debby and Isaac in 2012.
(4) Reflects losses from the Orlando weather event and Tropical Storm Andrea in 2013.
(5) Incurred loss and LAE is equal to losses and LAE paid plus the change in case and incurred but not reported reserves.