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02/12/21 Upset Reader Says Experience Mod Increases – Loss Run Had No Changes One noticeable complaint tread from our article and newsletter readers recently comes from Experience Mod increases while their company's loss runs show no changes. Wikimedia Public Use License – Hellisp Many of them have become clients to have J&L examine their loss runs compared to the Experience Mod increases. By the way, WTR is a clean replacement for WTF. It is What's The Reserve? Two Quick Definitions Experience Modification Factor – (E-Mod or EMR or X-Mod) – the rating bureaus (WCIRB – Californ...