CFO, today good the Also on Harold call and with is us Brian, everyone. Meloche. morning, Thanks, our
our the want on we've of the close fully XXXX, The reserves on decision reported estimate. to into the quarter, realized in a for outside to and overall result point moment our fourth we loss conscious As provide alone the absolute to the was actually reported our fourth we the by some majority part. insight total year. was made booking of to take strategic our full quarter decision numbers I a strengthen actuaries chapter the In further
of lightly. do decision was long-term impact, this stability in magnitude But to the our to further the we ensure taken prudent the believe protect not development was Given of future. it company and against financial the
financial particular. Oklahoma Lines Another during Personal in the impact was convective business book factor performance year the in of storms on of affecting our
generally much Lines Our performed Texas saw also Personal better in overall. book but year, the storms
even decision in result, prior, performing As now overall Oklahoma made book, our is runoff. several after a we the which the storm years and solidly to risk reduce non-renew
business in positioned remain these reliable profitable regions the going of underwriting the remain markets. we and As sources success. by recognize importance We by proven of These do of Texas in committed with the for regions maintaining to for in for and we revenue Personal forward, insurance have low-valued the expect providing Lines reliable them believe homeowners Midwest. presence continue continuing homeowners business Texas to in in company can that coverage. be to the needs our written long-term and well to we serving our these affordable and We underwrite Midwest,
coming written full personal the with total roughly the was For of lines. production XX% from premiums year commercial XXXX, our premium XX% remaining lines of
our retention model a made lines Whereby models to utilizing for lines, we recognition have significant beyond. we shift companies retain had employed XXXX insurance revenue a commercial in write strategic commercial risk risk and years for operating and past, As in in premium. underwriting
Conifer owned Insurance general CIS. model agency, through revenue wholly managing production-based a to moved just or have Services, We our
a one a sustainability. carrier-based it business, in we managing production, how away general is shift from instead, With production-based embrace do approach. change for the agency lines to decided model have success and commercial in of we we that revenue fundamental that and mind, will limitations represents believe transition and This for long-term us a revenue position
revenue the empower a of ensure be to carriers. going in directly starting our that ratings more A-rated of quarter model, business new our existing third-party on A.M. substantially forward, for will Further, of or reach on lines one and model our provide all for will better. programs. second commercial business retention XXXX, written with broader risk through sustainable focused providers us business much profitable a it insurers this commission capacity Utilizing is A- third-party subsidiary less Under will Best by MGA-produced
increasingly allow the to insurance will landscape, production-based serve order thrive pleased partners to that the future partners meet When to in With need forward. transition this has reach these customers' we looking market. and of our thoughtfully lines profitable and we clear insurance are to releases the needs adapt going extend paper that we -- to across several A-rated markets responsibly. I changing that assure want our to partner mind, our policyholders rapidly provide world Both as a earlier shareholders, press in commercial us and overall been in in best. become better managed Accelerant and to that a it to those and both our this outlined has Palomar in week, to with
minimizing stakeholders maintaining that integrity all hallmark. a and to our remain disruptions any standards working service operations high smooth We the transition, and seamless with company's our closely to of are and ensure
on your in for embark support this chapter we you journey. exciting Thank Conifer's new as continued
Our commitment and to we continues excellence, drive to integrity transparency every decision make.
to over I'll the pass that, numbers. And discuss with call Harold? Harold to the
