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Settlement speed

14.2Q3 25
13.0Q4 25
12.6Q1 26
12.1Q2 26
9.4Q3 26
Harbourline Mutual · Claims review Q3 2026
4

−22% vs Q2
fastest quarter on record

Lead with the trend, then the Westbury example: reported on the 11th, settled in nine days at the lower quote. Pause for questions on the escalated suppliers before moving on.