Our IBNR reserves include true IBNR reserves plus bulk reserves. Bulk reserves represent additional amounts that cannot be allocated to particular claims, but which are necessary to estimate ultimate.
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Some areas, including places in Florida, have high-risk exposure to home damage from hurricanes and other natural disasters. But many homes aren’t equipped to withstand these events, according to a survey. Upgrading your home can protect it while saving you money on home insurance.
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