Policy and Claim Reserves (Tables)

12 Months Ended

Dec. 31, 2014

Policy and Claim Reserves [Abstract]

Reconciliation of Policy and Claim Reserves

The following table is a reconciliation of beginning and ending property and casualty reserve balances for claims and claim adjustment expense (dollars in thousands):

	Year ended December 31,
	2014		2013
Summary of claims and claim adjustment expense reserves
Balance, beginning of year	$	8,734	$	11,214
Less reinsurance recoverable on unpaid losses	782		1,229
Net balances at beginning of year	7,952		9,985
Net losses:
Provision for claims and claim adjustment expenses for claims arising in current year	25,385		27,091
Estimated claims and claim adjustment expenses for claims arising in prior years	846		(152		)
Total increases	26,231		26,939
Claims and claim adjustment expense payments for claims arising in:
Current year	22,300		23,823
Prior years	4,401		5,149
Total payments	26,701		28,972
Net balance at end of year	7,482		7,952
Plus reinsurance recoverable on unpaid losses	839		782
Claims and claim adjustment expense reserves at end of year	$	8,321	$	8,734