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Note 10 - Losses and LAE Rescissions And Denials (Details) (USD $)
12 Months Ended 12 Months Ended 12 Months Ended 36 Months Ended 12 Months Ended 24 Months Ended 12 Months Ended 12 Months Ended
Dec. 31, 2012
Q1 2010 [Member]
Dec. 31, 2012
Q2 2010 [Member]
Dec. 31, 2012
Q3 2010 [Member]
Dec. 31, 2012
Q4 2010 [Member]
Dec. 31, 2012
Q1 2011 [Member]
Dec. 31, 2012
Q2 2011 [Member]
Dec. 31, 2012
Q3 2011 [Member]
Dec. 31, 2012
Q4 2011 [Member]
Dec. 31, 2012
Q1 2012 [Member]
Dec. 31, 2012
Q2 2012 [Member]
Dec. 31, 2012
Rescissions [Member]
Dec. 31, 2012
Mortgage Insurance Segment
Dec. 31, 2011
Mortgage Insurance Segment
Dec. 31, 2010
Mortgage Insurance Segment
Dec. 31, 2012
Denials [Member]
Dec. 31, 2012
Claims Denied in the Last Twelve Months [Member]
Dec. 31, 2012
Policies Rescinded in the Last Twenty Four Months [Member]
Dec. 31, 2012
Non Overturned Rescission And Denial Rebuttals [Member]
Dec. 31, 2012
Mortgage Insurance Segment
percentagepoint
Dec. 31, 2011
Mortgage Insurance Segment
Dec. 31, 2010
Mortgage Insurance Segment
Dec. 31, 2012
Mortgage Insurance Segment
Claims Denied in the Last Twelve Months [Member]
Dec. 31, 2012
Mortgage Insurance Segment
Policies Rescinded in the Last Twenty Four Months [Member]
Dec. 31, 2011
Mortgage Insurance Segment
Reinstatements and Resubmission of Policies and Claims Related to Previously Rescinded or Denied Policies and Claims [Member]
Dec. 31, 2012
Maximum [Member]
Mortgage Insurance Segment
Claims Denied in the Last Twelve Months [Member]
Dec. 31, 2012
Maximum [Member]
Mortgage Insurance Segment
Policies Rescinded in the Last Twenty Four Months [Member]
Dec. 31, 2012
Minimum [Member]
Mortgage Insurance Segment
Claims Denied in the Last Twelve Months [Member]
Dec. 31, 2012
Minimum [Member]
Mortgage Insurance Segment
Policies Rescinded in the Last Twenty Four Months [Member]
Dec. 31, 2012
Non Pool Mortgage Insurance Product [Member]
Dec. 31, 2012
Pool Insurance Mortgage Insurance Product [Member]
Rescissions And Denials [Line Items]                                                            
Number of Years That Mortgage Insurance That Has Been Rebutted But Not Overturned                                                         2 years 3 years
Number of Months That the Gross Reinstatement Rate Used in Estimating Claim Liability Declines                               12 months 24 months                          
Decrease To Our Loss Reserves Due To Estimated Rescissions And Denials                                     $ 455,000,000 $ 631,000,000                    
Increase To Our Loss Reserves Due To Estimated Future Reinstatements Of Previously Rescinded Policies And Denied Claims                                     303,000,000 129,000,000                    
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims, Prior Years                                     21,996,000 166,778,000 557,766,000     120,300,000            
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred but Not Reported (IBNR) Claims, Amount                                     323,000,000 170,600,000                    
Claims Rescissions and Denials [Abstract]                                                            
Claim rescissions                       279,300,000 474,200,000 538,300,000                                
Claim denials                       539,400,000 170,900,000 261,700,000                                
Total rescissions and denials                       818,700,000 [1] 645,100,000 [1] 800,000,000 [1]                                
Non Overturned Rebuttals on Rescinded First Lien Claims [Abstract]                                                            
Total Non Overturned Rebuttals On Rescinded First Lien Claims                                   461,400,000                        
Liability for Unpaid Claims and Claims Adjustment Expense, Reported and Incurred but Not Reported (IBNR) Claims                     87,700,000       215,300,000                              
Gross Exposure Related to Denied Claims From Previous Twelve Months                                           600,000,000                
Gross Exposure Related to Rescinded Policies Within Twenty Four Months                                             1,000,000,000              
Gross Reinstatement Percentage Assumption for Denied Claims                                                 60.00%   0.00%      
Gross Reinstatement Percentage Assumption on Rescinded Policies                                                   16.00%   0.00%    
Accrued Liability For Premiums Expected To Be Refunded From Rescissions                       48,000,000 57,200,000                                  
Cumulative Denial And Rescission Rates Net Of Reinstatements [Abstract]                                                            
Claim Received Quarter Q1 2010 Q2 2010 Q3 2010 Q4 2010 Q1 2011 Q2 2011 Q3 2011 Q4 2011 Q1 2012 Q2 2012                                        
Cummulative Rescission Rate For Each Quarter 18.50% [2] 17.60% [2] 16.00% [2] 17.40% [2] 20.80% [2] 24.60% [2] 28.10% [2] 23.20% [2] 21.30% [2] 19.40% [2]                                        
Percentage Of Claims Resolved 100.00% [3] 100.00% [3] 100.00% [3] 100.00% [3] 99.00% [3] 99.00% [3] 97.00% [3] 94.00% [3] 84.00% [3] 59.00% [3]                                        
Percentage Point Change In Severity Used In Assumption Shift Analysis                                     1                      
First Lien Primary Claim Severity                                     27.00%                      
Impact To Loss Reserves Based On One Percentage Change In Primary Claim Severity                                     87,000,000                      
First Lien Pool Claim Severity                                     45.00%                      
Impact To Loss Reserves Based On One Percentage Change In Pool Claim Severity                                     5,000,000                      
Weighted Average Default To Claim Rate Assumption Net Of Denials And Rescissions                                     47.00% 43.00% 40.00%                  
Impact To Loss Reserves Based On One Percentage Change in Default To Claim Rate                                     $ 55,000,000                      
[1] Includes an amount related to a small number of submitted claims that were subsequently withdrawn by the insured.
[2] The percentage of claims resolved for each quarter 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 or overturned, respectively. For the third and fourth quarters of 2012, a significant portion of claims received for those quarters have not been internally resolved; therefore, we do not believe the cumulative rescission/denial rates for those periods are presently meaningful and, therefore, they are not presented.
[3] Projected net cumulative rescission/denial rates represent the ratio of claims rescinded or denied to claims received (by claim count). Rescissions and denials are net of actual reinstatements, plus our current estimate for expected reinstatements of previously rescinded or denied claims. These amounts represent the cumulative rates for each quarter as of December 31, 2012. Until all of the claims received during the periods shown have been internally resolved, the rescission/denial rates for each quarter will be subject to change. As discussed in footnote (2) below, these rates also will remain subject to change based on differences between estimated and actual reinstatements of previously rescinded policies or denied claims.