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Note 7 - Losses and LAE Rescissions And Denials (Details) (USD $)
In Millions, unless otherwise specified
3 Months Ended9 Months Ended33 Months Ended
Sep. 30, 2011
Sep. 30, 2010
Sep. 30, 2011
Sep. 30, 2010
Sep. 30, 2011
Dec. 31, 2010
Claims Rescissions and Denials [Abstract]      
Total First Lien Claims Rescinded Or Denied$ 165.5[1]$ 200.9[1]$ 510.6[1]$ 619.4[1]  
Non Overturned Rebuttals on Rescinded First Lien Claims [Abstract]      
Non Overturned Rebuttals On Rescinded First Lien Claims First Loss Position    448.2 
Non Overturned Rebuttals On Rescinded First Lien Claims Second Loss Position    189.4 
Total Non Overturned Rebuttals On Rescinded First Lien Claims    637.6 
Accrued Liability For Premiums Expected To Be Refunded From Rescissions52.1 52.1 52.143.5
First Lien Claims First Loss Position [Member]
      
Claims Rescissions and Denials [Abstract]      
Claim rescissions93.262.2313.6266.8  
Claim denials35.491.774.2123.8  
Total first loss position128.6[2]153.9[2]387.8[2]390.6[2]  
First Lien Claims Second Loss Position [Member]
      
Claims Rescissions and Denials [Abstract]      
Claim rescissions28.518.6100.7176.6  
Claim denials8.428.422.152.2  
Total second loss position$ 36.9[3]$ 47.0[3]$ 122.8[3]$ 228.8[3]  
Q1 2009 [Member]
      
Cumulative Denial And Rescission Rates Net Of Reinstatements [Abstract]      
Claim Received QuarterQ1 2009 Q1 2009 Q1 2009 
Cummulative Rescission Rate For Each Quarter24.20%[4] 24.20%[4] 24.20%[4] 
Percentage Of Claims Resolved100.00%[5] 100.00%[5] 100.00%[5] 
Q2 2009 [Member]
      
Cumulative Denial And Rescission Rates Net Of Reinstatements [Abstract]      
Claim Received QuarterQ2 2009 Q2 2009 Q2 2009 
Cummulative Rescission Rate For Each Quarter25.90%[4] 25.90%[4] 25.90%[4] 
Percentage Of Claims Resolved100.00%[5] 100.00%[5] 100.00%[5] 
Q3 2009 [Member]
      
Cumulative Denial And Rescission Rates Net Of Reinstatements [Abstract]      
Claim Received QuarterQ3 2009 Q3 2009 Q3 2009 
Cummulative Rescission Rate For Each Quarter23.10%[4] 23.10%[4] 23.10%[4] 
Percentage Of Claims Resolved99.00%[5] 99.00%[5] 99.00%[5] 
Q4 2009 [Member]
      
Cumulative Denial And Rescission Rates Net Of Reinstatements [Abstract]      
Claim Received QuarterQ4 2009 Q4 2009 Q4 2009 
Cummulative Rescission Rate For Each Quarter21.20%[4] 21.20%[4] 21.20%[4] 
Percentage Of Claims Resolved99.00%[5] 99.00%[5] 99.00%[5] 
Q1 2010 [Member]
      
Cumulative Denial And Rescission Rates Net Of Reinstatements [Abstract]      
Claim Received QuarterQ1 2010 Q1 2010 Q1 2010 
Cummulative Rescission Rate For Each Quarter19.30%[4] 19.30%[4] 19.30%[4] 
Percentage Of Claims Resolved99.00%[5] 99.00%[5] 99.00%[5] 
Q2 2010 [Member]
      
Cumulative Denial And Rescission Rates Net Of Reinstatements [Abstract]      
Claim Received QuarterQ2 2010 Q2 2010 Q2 2010 
Cummulative Rescission Rate For Each Quarter18.80%[4] 18.80%[4] 18.80%[4] 
Percentage Of Claims Resolved98.00%[5] 98.00%[5] 98.00%[5] 
Q3 2010 [Member]
      
Cumulative Denial And Rescission Rates Net Of Reinstatements [Abstract]      
Claim Received QuarterQ3 2010 Q3 2010 Q3 2010 
Cummulative Rescission Rate For Each Quarter17.00%[4] 17.00%[4] 17.00%[4] 
Percentage Of Claims Resolved97.00%[5] 97.00%[5] 97.00%[5] 
Q4 2010 [Member]
      
Cumulative Denial And Rescission Rates Net Of Reinstatements [Abstract]      
Claim Received QuarterQ4 2010 Q4 2010 Q4 2010 
Cummulative Rescission Rate For Each Quarter18.00%[4] 18.00%[4] 18.00%[4] 
Percentage Of Claims Resolved92.00%[5] 92.00%[5] 92.00%[5] 
Q1 2011 [Member]
      
Cumulative Denial And Rescission Rates Net Of Reinstatements [Abstract]      
Claim Received QuarterQ1 2011 Q1 2011 Q1 2011 
Cummulative Rescission Rate For Each Quarter19.80%[4] 19.80%[4] 19.80%[4] 
Percentage Of Claims Resolved84.00%[5] 84.00%[5] 84.00%[5] 
[1]Includes a small number of submitted claims that were subsequently withdrawn by the insured.
[2]Related to claims from policies in which we were in a first loss position and would have paid the claim absent the rescission or denial.
[3]Related to claims from policies in which we were in a second loss position. These rescissions or denials may not have resulted in a claim payment obligation due to deductibles and other exposure limitations included in our policies.
[4]Rescission/Denial rates represent the ratio of claims rescinded or denied to claims received (by claim count) and represent (as of September 30, 2011) the cumulative rate for each quarter based on number of claims received during that quarter. Until all of the claims received during the periods shown have been internally resolved, the rescission rates for each quarter will be subject to change. These rates also will remain subject to change based on reinstatements of previously rescinded policies or denied claims.
[5]The percentage of claims resolved for each quarter presented in the table above, represents the number of claims that have been internally resolved as a percentage of the total number of claims received for that specific quarter. A claim is considered internally resolved when it is either paid or it is concluded that the claim should be denied or rescinded, though such denials or rescissions could be challenged and, potentially reinstated. For the second and third quarters of 2011, a significant portion of claims received for those quarters have not been internally resolved; therefore, we do not believe the cumulative rescission rates for those periods are presently meaningful.