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Root, Inc. ROOT Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims
Liability for Unpaid Claims and Claims Adjustment Expense, Incurred Claims at other companies
Other financials
Where this comes from
Reported directly by Root, Inc. in its filing.
Tagged under the XBRL concept us-gaap:LiabilityForUnpaidClaimsAndClaimsAdjustmentExpenseIncurredClaims1.
The source filing: Root, Inc.’s 10-Q, filed August 5, 2026.
- Filed
- Aug 5, 2026, 4:10 PM EDT
- Fiscal quarter
- Q2 FY2026
- Calendar quarter
- Q2 2026
- Accession
- 0001788882-26-000061
| Line item | Three Months Ended June 30, 2026 | Three Months Ended June 30, 2025 | Six Months Ended June 30, 2026 | Six Months Ended June 30, 2025 |
|---|---|---|---|---|
| Other income | 0.9 | 0.8 | 1.6 | 1.5 |
| Total revenues | 389.2 | 382.9 | 782.7 | 732.3 |
| Operating expenses: | ||||
| Loss and loss adjustment expenses | 239.9 | 233.3 | 466.1 | 438.9 |
| Sales and marketing | 25.3 | 37.1 | 52.6 | 88.6 |
| Other insurance expense | 58.4 | 47.9 | 117.8 | 84.6 |
| Technology and development | 15.5 | 13.7 | 30.7 | 25.1 |
| General and administrative | 15.5 | 23.6 | 40.0 | 44.1 |
Item 1. Financial Statements. - Unaudited
FAQ
- What is Root, Inc.'s liability for unpaid claims and claims adjustment expense, incurred claims?
- Root, Inc. (ROOT) reported liability for unpaid claims and claims adjustment expense, incurred claims of $239.9M in Q2 2026.
- How has Root, Inc.'s liability for unpaid claims and claims adjustment expense, incurred claims changed year-over-year?
- Root, Inc.'s liability for unpaid claims and claims adjustment expense, incurred claims increased by 2.8% year-over-year, from $233.3M to $239.9M.
- What is the long-term trend for Root, Inc.'s liability for unpaid claims and claims adjustment expense, incurred claims?
- Over 4 years (2021 to 2025), Root, Inc.'s liability for unpaid claims and claims adjustment expense, incurred claims has grown at a 23.9% compound annual growth rate (CAGR), from $392.3M to $924.2M.
- What does liability for unpaid claims and claims adjustment expense, incurred claims mean?
- This represents the total estimated cost of claims that have been incurred but not yet settled, including the expenses associated with investigating and adjusting those claims. It is a critical measure of underwriting discipline and the accuracy of actuarial loss reserves. Lower values relative to earned premiums generally suggest superior risk selection and claims management efficiency.
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