| Cause of loss |
2004 |
2005 |
2006 |
2007 |
2008 |
| Property damage |
|
|
|
|
|
| Fire, lightning and debris removal |
20.29% |
22.61% |
33.06% |
40.58% |
30.55% |
| Wind and hail |
51.51 |
48.09 |
28.69 |
18.56 |
34.11 |
| Water damage and freezing |
14.71 |
14.78 |
18.86 |
22.67 |
20.89 |
| Theft |
2.05 |
2.30 |
3.44 |
3.42 |
3.22 |
| All other property damage (2) |
6.62 |
7.00 |
9.31 |
8.53 |
6.98 |
| Liability |
|
|
|
|
|
| Bodily injury and property damage |
4.01 |
4.35 |
5.33 |
4.67 |
2.82 |
| Medical payments and other |
0.17 |
0.19 |
0.30 |
0.28 |
0.23 |
| Credit card and other (3) |
0.63 |
0.67 |
1.01 |
1.30 |
1.19 |
(1) For homeowners multiple peril policies. Excludes tenants and condominium owners policies.
(2) Includes vandalism and malicious mischief.
(3) Includes coverage for unauthorized use of various cards, forgery, counterfeit money and losses not otherwise classified.
Source: ISO. |