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Reinsurance Reinsurance (Tables)
 9 Months Ended
Sep. 30, 2014
Reinsurance [Abstract]  
Ceded Premiums Earned by type [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,
 
2014
 
2013
 
2014
 
2013
Excess-of-loss
$
4,642

 
$
1,190

 
$
(126,632
)
 
$
(109,893
)
Equipment & Identity Theft
(1,221
)
 
(707
)
 
(3,138
)
 
(1,862
)
Flood
(4,509
)
 
(3,951
)
 
(11,961
)
 
(10,602
)
Ceded premiums written
$
(1,088
)
 
$
(3,468
)
 
$
(141,731
)
 
$
(122,357
)
Increase (decrease) in ceded unearned premiums
(34,653
)
 
(27,849
)
 
41,974

 
34,532

Ceded premiums earned
$
(35,741
)
 
$
(31,317
)
 
$
(99,757
)
 
$
(87,825
)
Liability for Catastrophe Claims Disclosure [Table Text Block]
Current year catastrophe losses by the event magnitude are shown in the following table.

 
 
2014
 
2013
 
 
Number of Events
 
Incurred Loss and LAE (4)
 
Combined Ratio Impact
 
Number of Events
 
Incurred Loss and LAE (4) 
 
Combined Ratio Impact
Three Months Ended September 30,
 
 
 
 
 
 
 
 
 
 
 
 
Current period catastrophe losses incurred
 
 
 
 
 
 
 
 
 
 
 
 
Less than $1 million
(1) 
3

 
$
714

 
1.1
%
 
3

 
$
127

 
0.3
%
Total
 
3

 
$
714

 
1.1
%
 
3

 
$
127

 
0.3
%
 
 
 
 
 
 
 
 
 
 
 
 
 
Nine Months Ended September 30,
 
 
 
 
 
 
 
 
 
 
 
 
Current period catastrophe losses incurred
 
 
 
 
 
 
 
 
 
 
 
 
$ 1 million to $5 million
(2) 
—

 
$
—

 
—
%
 
1

 
$
1,904

 
1.4
%
Less than $1 million
(3) 
3

 
974

 
0.5
%
 
2

 
1,818

 
1.3
%
Total
 
3

 
$
974

 
0.5
%
 
3

 
$
3,722

 
2.7
%
(1) 
Reflects losses from the Richland hailstorm, Hurricane Arthur and the Revere Tornado in 2014 and Winterstorm Nemo, the Orlando weather event in March and Tropical Storm Andrea in June 2013.
(2) 
Reflects losses from Winterstorm Nemo.
(3) 
Reflects losses from the Richland hailstorm, Hurricane Arthur and the Revere Tornado in 2014, and the Orlando weather event and Tropical Storm Andrea in 2013.
(4) 
Incurred loss and Loss Adjustment Expenses (LAE) is equal to losses and LAE paid plus the change in case and incurred but not reported reserves.