Policy and Claim Reserves (Tables)

12 Months Ended

Dec. 31, 2015

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,
	2015			2014
Summary of claims and claim adjustment expense reserves
Balance, beginning of year	$	8,321		$	8,734
Less reinsurance recoverable on unpaid losses	839			782
Net balances at beginning of year	7,482			7,952
Net losses:
Provision for claims and claim adjustment expenses for claims arising in current year	30,900			25,385
Estimated claims and claim adjustment expenses for claims arising in prior years	(962		)	846
Total increases	29,938			26,231
Claims and claim adjustment expense payments for claims arising in:
Current year	25,339			22,300
Prior years	3,816			4,401
Total payments	29,155			26,701
Net balance at end of year	8,265			7,482
Plus reinsurance recoverable on unpaid losses	1,380			839
Claims and claim adjustment expense reserves at end of year	$	9,645		$	8,321