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This excerpt taken from the ALL 10-Q filed May 7, 2009. Homeowners loss ratio for the Allstate brand
increased 2.5 points to 82.7 in the first quarter of 2009 from 80.2 in the
first quarter of 2008 due to higher gross frequencies excluding catastrophes
and severities, partially offset by
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This excerpt taken from the ALL 10-Q filed Nov 6, 2008. Homeowners loss
ratio for the Allstate brand increased 89.7 points to 158.1 in the three
months ended September 30, 2008 from 68.4 in the same period of 2007, and
44.9 points to 108.6 in the first nine months of 2008 from 63.7 in the same
period of 2007. The Allstate brand
homeowners loss ratio increases in both periods were largely attributable to higher catastrophe losses. Excluding
catastrophes, the increase in the Allstate Brand homeowners loss ratio in the
third quarter of 2008 was driven by a 6.6% increase in gross claim frequency,
which was partially offset by a 4.2% decrease in claim severity. Homeowners loss ratio for the Encompass brand increased 58.2 points to
113.7 in the three months ended September 30, 2008 from 55.5 in the same period
of 2007, and 30.0 points to 83.4 in the first nine months of 2008 from 53.4 in
the same period of 2007. The Encompass
brand homeowners loss ratio increases in both periods were primarily due to
higher catastrophe losses.
This excerpt taken from the ALL 10-Q filed Aug 6, 2008. Homeowners loss ratio for the Allstate brand
increased 18.8 points in the three months ended June 30, 2008 and 21.9
points during the first six months of 2008 compared to the same periods of 2007
largely attributable to higher
catastrophe losses. Homeowners loss ratio for the
Encompass brand increased 17.5 points in the first three months of June 30,
2008 and 16.8 points during the first six months of 2008 compared to the same
periods of 2007 primarily due to higher catastrophe losses.
This excerpt taken from the ALL 10-Q filed May 8, 2008. Homeowners loss ratio for the Allstate brand increased
25.0 points in the first quarter of 2008 compared to the same period of 2007
largely attributable to higher
catastrophe losses. Homeowners loss ratio for the
Encompass brand increased 16.1 points in the first quarter of 2008 compared to
the same period of 2007 primarily due to higher catastrophe losses.
This excerpt taken from the ALL 10-Q filed Oct 31, 2007. Homeowners loss ratio for the Allstate brand
increased 18.6 points in the three months ended September 30, 2007 and 14.1
points during the first nine months of 2007 when compared to the same periods
of 2006 due to higher catastrophe
losses, lower
favorable non-catastrophe reserve reestimates related to prior years, and
higher claim severity and claim frequency excluding catastrophes. Homeowners
loss ratio for the Encompass brand decreased 10.2 points in the three months
ended September 30, 2007 and 6.2 points during the first nine months of 2007
when compared to the same periods of 2006 due primarily to favorable reserve
reestimates related to prior years and lower catastrophe losses.
This excerpt taken from the ALL 10-Q filed Aug 1, 2007. Homeowners loss ratio for the Allstate brand
increased 20.5 points in the three months ended June 30, 2007 and 11.8 points
during the first six months of 2007 when compared to the same periods of 2006 with
approximately half due to higher
catastrophe losses, and the remainder due to the increased cost of the
catastrophe reinsurance program, and higher claim frequency and claim severity
excluding catastrophes. Homeowners loss ratio for the
Encompass brand decreased 1.9 points in the three months ended June 30, 2007
and 4.5 points during the first six months of 2007 when compared to the same
periods of 2006 due to lower claim severities and lower catastrophe losses,
partially offset by higher claim frequency, excluding catastrophes.
This excerpt taken from the ALL 10-Q filed May 1, 2007. Homeowners
loss ratio increased 3.4 points for the Allstate brand
in the first quarter of 2007 when compared to the same period of 2006 due to
lower favorable reserve reestimates related to prior years, lower premiums
earned, higher claim frequency and claim severity excluding catastrophes, and
increased catastrophes. The Encompass brand homeowners loss ratio decreased 6.9
points in the first quarter of 2007 when compared to the same period of 2006
due to lower catastrophes partially offset by higher claim frequency excluding
catastrophes and lower premiums earned.
32 This excerpt taken from the ALL 10-Q filed Nov 1, 2006. Homeowners loss ratio for the Allstate brand decreased 248.3 points in the
three months ended September 30, 2006 and 82.0 points during the first nine
months of 2006 when compared to the same periods of 2005. Homeowners loss ratio for the Encompass brand
decreased 58.6 points in the three months ended September 30, 2006 and 18.6
points during the first nine months of 2006 when compared to the same periods
of 2005. These decreases were primarily
due to lower catastrophes, higher premiums earned during the first nine months
of 2006 when compared to the same period of 2005, lower claim frequency,
excluding catastrophes, and higher favorable Allstate brand reserve reestimates
related to prior years, partially offset by higher current year claim severity
and lower premiums earned due to higher ceded earned premium for catastrophe
reinsurance. The Allstate brand loss
ratio for the first nine months of 2005 also included an accrual for
litigation.
This excerpt taken from the ALL 10-Q filed Aug 8, 2006. Homeowners loss
ratio for the Allstate brand increased 1.5 points in the three months ended
June 30, 2006 and 1.8 points during the first six months of 2006 when
compared to the same periods of 2005. Homeowners loss ratio for the Encompass
brand increased 3.1 points in the three months ended June 30, 2006 and
2.7 points during the first six months of 2006 when compared to the same
periods of 2005. These increases were due to higher catastrophes and higher
current year claim severity, partially offset by higher premiums earned, lower
claim frequency, excluding catastrophes, and higher favorable Allstate brand reserve reestimates related to prior
years.
This excerpt taken from the ALL 10-Q filed May 3, 2006. Homeowners loss ratio increased 2.0 points for
the Allstate brand and 2.2 points for the Encompass brand in the first quarter
of 2006 when compared to the same period of 2005. These increases were due to
higher current year claim severity, partially offset by higher premiums earned despite
higher reinsurance premiums ceded, lower claim frequency, excluding
catastrophes, and higher favorable
reserve reestimates related to prior years.
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This excerpt taken from the ALL 10-Q filed Nov 1, 2005. Homeowners loss
ratio for the Allstate brand increased 169.4 points in the three months ended September 30,
2005 and 56.3 points during the first nine months of 2005 when compared to the
same periods last year. Homeowners loss
ratio for the Encompass brand increased 38.3 points in the three months ended September 30,
2005 and 6.9 points in the first nine months of 2005 when compared to the same
periods of 2004. The increases in the
third quarter of 2005 were due to higher premiums earned, higher favorable
reserve reestimates related to prior years and lower claim frequency, excluding
catastrophes, being more than offset by higher catastrophe losses and higher
current year claim severity. The
increases during the first nine months of 2005 were due to higher premiums
earned and lower claim frequency excluding catastrophes being more than offset
by higher catastrophe losses, lower favorable reserve reestimates related to
prior years and higher current year claim severity. The Allstate brand loss ratio for the first
nine months of 2005 also included an accrual for litigation.
This excerpt taken from the ALL 10-Q filed Aug 3, 2005. Homeowners loss
ratio for the Allstate brand declined 1.3 points in the three months ended June 30,
2005 and was comparable during the first six months of 2005 when compared to
the same periods last year. Homeowners
loss ratio for the Encompass brand declined 15.0 points in the three months
ended June 30, 2005 and 9.5 points in the first six months of 2005 when
compared to the same periods of 2004.
These declines were due to higher premiums earned, lower claim frequency
and lower catastrophe losses, partially offset by higher current year claim
severity, favorable reserve reestimates in 2004 and an accrual for litigation.
This excerpt taken from the ALL 10-Q filed May 3, 2005. Homeowners loss ratio increased 1.2 points for
the Allstate brand in the first quarter of 2005 when compared to the same
period of 2004 due to higher catastrophes, unfavorable reserve reestimates
related to prior years and higher current year claim severity, partially offset
by higher premiums earned and lower claim frequency, excluding
catastrophes. Homeowners loss ratio
declined 3.8 points for the Encompass brand in the first quarter of 2005 when
compared to the same period of 2004 due to higher premiums earned and lower
claim frequency, excluding catastrophes, partially offset by higher
catastrophes and higher current year claim severity.
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