The following table reflects amounts affecting the condensed consolidated statements of operations and comprehensive income (loss) for reinsurance for the three and six months ended June 30, 2025 and 2024:


	Three Months Ended June 30,				Six Months Ended June 30,
	2025		2024		2025		2024
	(dollars in millions)










Premiums written:
Direct	$	277.3	$	250.1	$	615.0	$	523.0
Assumed	68.9		58.1		142.0		115.9
Ceded	(12.2)		(44.6)		(31.0)		(91.3)
Net premiums written	$	334.0	$	263.6	$	726.0	$	547.6
Premiums earned:
Direct	$	302.1	$	252.7	$	584.1	$	481.1
Assumed	69.2		55.3		131.6		101.9
Ceded	(18.3)		(46.4)		(41.4)		(91.1)
Net premiums earned	$	353.0	$	261.6	$	674.3	$	491.9
Losses and LAE incurred:
Direct	$	186.7	$	173.6	$	357.2	$	335.8
Assumed	55.8		45.1		101.3		76.6
Ceded	(9.2)		(28.4)		(19.6)		(55.7)
Net losses and LAE incurred	$	233.3	$	190.3	$	438.9	$	356.7


	Three Months Ended June 30,								Six Months Ended June 30,
	2025				2024				2025				2024
	Amount		% of Total		Amount		% of Total		Amount		% of Total		Amount		% of Total
	(dollars in millions)
State:
Texas	$	70.8	20.5	%	$	61.7	20.0	%	$	145.9	19.3	%	$	123.3	19.3	%
Georgia	41.0		11.8		41.1		13.3		87.5		11.6		80.5		12.6
Florida	26.8		7.7		28.4		9.2		57.9		7.6		44.0		6.9
California	24.3		7.0		9.4		3.0		50.0		6.6		14.1		2.2
Pennsylvania	20.5		5.9		17.8		5.8		44.2		5.8		35.3		5.5
Colorado	18.6		5.4		17.3		5.6		40.5		5.4		35.5		5.6
South Carolina	10.2		3.0		9.6		3.1		28.0		3.7		31.6		4.9
Arizona	11.5		3.3		12.7		4.1		25.1		3.3		26.6		4.2
Nevada	8.1		2.3		4.5		1.5		20.3		2.7		8.9		1.4
Oklahoma	8.0		2.3		6.5		2.1		18.0		2.4		15.1		2.4
All others states	106.4		30.8		99.2		32.3		239.6		31.6		224.0		35.0
Total	$	346.2	100.0	%	$	308.2	100.0	%	$	757.0	100.0	%	$	638.9	100.0	%