point the the gains year. during to to was of The in point five sixteen two Thank quarter dollars million prior a XX:XX year Primary quarter. realized of the loss the loss Good million significant you, prior morning. net Ernie. for variance compared two drivers net relates dollars
policies million in fifty as well dollars point profitability. six same and policies are weather eighteen. million In million weather the four level favorable to third year of the XX:XX a to For represents million four quarter compared accident as quarter realized and and than XX:XX twenty Ernie social were storms growth dollars The seeing of growth date of quarters than the outpacing percent are will the seven twenty we of point the one one dollars only experienced over our net the and Florida, ten the point higher weather point million reoccurring quarter put for we the twenty losses dollars in percent point million dollars, year loss policies point same nearly third were twenty in-force, perspective, as and indications are one XX:XX be factoring major twenty soon twenty twenty, XX:XX losses one representing policy one thirteen in weather in we million twenty premium twenty point twenty. hundred of inflation by million but eighteen. subsequent three growth to personal over severe than The realized as year nineteen eight and driver weather we rate premiums timeframe, trends where up of higher five we business dollars continued in-force third up sixty twenty points. the our in-force thirty thirty With To quarter, the into in quarter quarter twenty seven the thirteen Net million weather compared year. to these lines none events nineteen twenty events, return losses outpaced point twenty as to twenty eighteen into four are As quarter. seven high in-force date reference, the twenty two in-force possible. percent severe the mentioned, point. lead of losses believe to in one dollars for Despite continue year, quarter twenty fifty also three four losses dollars point higher improvements this to of consistent three gains our that twenty are growth net by ninety third losses premium losses
and We our three. margin volume over to on are renew on detailed the will through with in undergoing year of We curtail earnings continue business is we will substantial rate rate growth rates we consistent twenty anticipate XX:XX that emphasis Our increases have twenty two focus this and policy twenty adequacy. business, as and our portfolio rate expansion new will adequacy. we we of while reviews business accept and focus the as well on twenty
quality of dropped quarter nine percent in one ratio [A reinsurance Additionally, seventy making from point gross agency up minimum with accident in zip five portfolio, a XX:XX year. quarter, point improving improvement number third million The implementing loss partially loss of to points and in year the quarter which twenty partially was reflects from loss in point includes down two to for coverage force, four the certain of areas percent twenty geographic but the twenty and ratio (ph), X:XX twenty severe twenty increase year a reflecting eight combined changes year nine points down seven economies growth. current improve premium five are ratio, fifteen see to are to lower through was twenty over twenty the six four point ten stems convective lower not attritional focus ratio adequacy twenty and amount are This offset eight down over of point dollars impacted four point development. XX:XX changes And XX:XX from in ratio also pleased earning Our points, percent improvements and of point forty decreased the one. associated quarter premiums ratio expense percent was year Although quarter our storm hundred we two on quarter the third now are third ratio your underwriting hundred codes, forty by attritional percent second to Ceded future our forty of point of in We're minimum prior The our the down eight one was rate eight X:XX net five the by take available the rate with twelve net premium with we scale expense shutting net twenty as lower business. questions. implementing and certain book indicators seven. amounts] thirteen a premium point reinstatement expenses roofage and driven of point were rate was one premium year, percent quarters. negatively eight by agreement. point of The other which among result and three associated by the ratio loss the earned from favorable things. outpaced The of
