Products & Services · Unpaid losses and loss adjustment expenses
Property Insurance — Unpaid losses and loss adjustment expenses
The Hartford Financial Services Group Property Insurance — Unpaid losses and loss adjustment expenses decreased by 0.5% to $1.31B in Q4 2025 compared to the prior quarter. Year-over-year, this metric declined by 0.5%, from $1.32B to $1.31B. This is a positive signal — lower values indicate better performance for this metric.
Analysis
StatementSegment
CategoryRisk
SignalLower is better
VolatilityModerate
First reportedQ4 2016
Last reportedQ1 2026
Rolls up toReserve for insurance claims
How to read this metric
An increase in gross unpaid losses without a corresponding increase in premiums suggests deteriorating underwriting performance or higher claim severity.
Detailed definition
This is the gross estimate of all future payments required to settle claims and the associated costs of adjustment, befo...
Peer comparison
Standard 'Gross Loss Reserves' reported in insurance financial statements.
Metric ID:
hig_segment_property_insurance_unpaid_losses_and_loss_adjustment_expensesHistorical Data
5 periods
| Q4 '21 | Q4 '22 | Q4 '23 | Q4 '24 | Q4 '25 | |
|---|---|---|---|---|---|
| Value | $798.00M | $914.00M | $811.00M | $1.32B | $1.31B |
| QoQ Change | — | +14.5% | -11.3% | +62.6% | -0.5% |
| YoY Change | — | +14.5% | -11.3% | +62.6% | -0.5% |
Range$798.00M – $1.32B
CAGR+64.4%
Avg YoY Growth+16.3%
Median YoY Growth+7.0%
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Frequently Asked Questions
- What is The Hartford Financial Services Group's property insurance — unpaid losses and loss adjustment expenses?
- The Hartford Financial Services Group (HIG) reported property insurance — unpaid losses and loss adjustment expenses of $1.31B in Q4 2025.
- How has The Hartford Financial Services Group's property insurance — unpaid losses and loss adjustment expenses changed year-over-year?
- The Hartford Financial Services Group's property insurance — unpaid losses and loss adjustment expenses decreased by 0.5% year-over-year, from $1.32B to $1.31B.
- What does property insurance — unpaid losses and loss adjustment expenses mean?
- The total estimated cost to settle all outstanding claims before considering reinsurance recoveries.