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Losses And Loss Adjustment Expenses | 12 Months Ended
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Dec. 31, 2015
Insurance Loss Reserves [Abstract] |
Losses and Loss Adjustment Expenses | Losses and Loss Adjustment Expenses The following table presents the activity in the reserves for losses and loss adjustment expenses:
| Year Ended December 31,
| 2015 |  | 2014 |  | 2013
| (Amounts in thousands)
Gross reserves at January 1 | $ | 1,091,797 |  |  | $ | 1,038,984 |  |  | $ | 1,036,123 |
Less reinsurance recoverable | (14,484 | ) |  | (13,927 | ) |  | (12,155 | )
Net reserves at January 1 | 1,077,313 |  |  | 1,025,057 |  |  | 1,023,968 |
Acquisition of WAIC reserves | 18,676 |  |  | — |  |  | — |
Incurred losses and loss adjustment expenses related to: |  |  |  |  |
Current year | 2,132,837 |  |  | 1,989,315 |  |  | 1,959,730 |
Prior years | 12,658 |  |  | (3,193 | ) |  | 2,960 |
Total incurred losses and loss adjustment expenses | 2,145,495 |  |  | 1,986,122 |  |  | 1,962,690 |
Loss and loss adjustment expense payments related to: |  |  |  |  |
Current year | 1,455,245 |  |  | 1,347,967 |  |  | 1,354,074 |
Prior years | 654,097 |  |  | 585,899 |  |  | 607,527 |
Total payments | 2,109,342 |  |  | 1,933,866 |  |  | 1,961,601 |
Net reserves at December 31 | 1,132,142 |  |  | 1,077,313 |  |  | 1,025,057 |
Reinsurance recoverable | 14,546 |  |  | 14,484 |  |  | 13,927 |
Gross reserves at December 31 | $ | 1,146,688 |  |  | $ | 1,091,797 |  |  | $ | 1,038,984 |
The increase in the provision for insured events of prior years in 2015 of approximately $12.7 million primarily resulted from the California homeowners and automobile lines of business outside of California, which was partially offset by favorable development in the California automobile line of business. The decrease in the provision for insured events of prior years in 2014 of approximately $3.2 million primarily resulted from lower than expected loss severity on California personal automobile lines of insurance business partially offset by adverse development in other states. The increase in the provision for insured events of prior years in 2013 of approximately $3.0 million primarily resulted from Florida claims that were re-opened from prior years due to a state supreme court ruling that was adverse to the insurance industry. The Company experienced estimated pre-tax catastrophe losses and loss adjustment expenses from severe weather events of $19 million, $11 million, and $17 million in 2015, 2014, and 2013, respectively. The losses in 2015 were primarily the result of severe storms outside of California, and rainstorm and wildfire losses in California. The losses in 2014 were primarily related to winter freeze events on the East Coast and severe rainstorms in California. The losses in 2013 were primarily due to tornadoes in Oklahoma and severe storms in the Midwest and the Southeast regions during the second quarter.

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- Definition The entire disclosure for liabilities related to future policy benefits and unpaid claims and claim adjustments. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 6 -URI http://asc.fasb.org/extlink&oid=6482852&loc=d3e14931-158439 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=6482485&loc=d3e14754-158437 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.7-03.13(a)(1),(b)) -URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 944 -SubTopic 40 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=6482485&loc=d3e14764-158437 + Details
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