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Estimated title losses | 9 Months Ended
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Sep. 30, 2025
Loss Contingency [Abstract] |
Estimated title losses | Estimated title losses. A summary of estimated title losses for the nine months ended September 30 is as follows:
| 2025 |  | 2024
| (in $ thousands)
Balances at January 1 | 511,534 |  |  | 528,269 |
Provisions: |  |  |
Current year | 57,126 |  |  | 59,959 |
Previous policy years | 1,575 |  |  | (205) |
Total provisions | 58,701 |  |  | 59,754 |
Payments, net of recoveries: |  |  |
Current year | (12,278) |  |  | (14,171) |
Previous policy years | (43,515) |  |  | (54,636) |
Total payments, net of recoveries | (55,793) |  |  | (68,807) |
Effects of changes in foreign currency exchange rates | 6,003 |  |  | (1,624) |
Balances at September 30 | 520,445 |  |  | 517,592 |
Loss ratios as a percentage of title operating revenues: |  |  |
Current year provisions | 3.3 | % |  | 4.0 | %
Total provisions | 3.4 | % |  | 4.0 | %

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