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Estimated title losses | 3 Months Ended
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Mar. 31, 2026
Loss Contingency [Abstract] |
Estimated title losses | Estimated title losses. A summary of estimated title losses for the three months ended March 31 is as follows:
| 2026 |  | 2025
| (in $ thousands)
Balances at January 1 | 524,473 |  |  | 511,534 |
Provisions: |  |  |
Current year | 17,854 |  |  | 17,318 |
Previous policy years | 588 |  |  | 384 |
Total provisions | 18,442 |  |  | 17,702 |
Payments, net of recoveries: |  |  |
Current year | (2,274) |  |  | (3,833) |
Previous policy years | (22,191) |  |  | (15,206) |
Total payments, net of recoveries | (24,465) |  |  | (19,039) |
Effects of changes in foreign currency exchange rates | (1,674) |  |  | 593 |
Balances at March 31 | 516,776 |  |  | 510,790 |
Loss ratios as a percentage of title operating revenues: |  |  |
Current year provisions | 3.0 | % |  | 3.5 | %
Total provisions | 3.1 | % |  | 3.5 | %

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