Can anyone explain the replacement value cost factors related to the loss control?

Suppose the gross amount is higher than the net commercial reinsurer payment from its loss history information. It covers some, but few events were higher than expected, which concluded as maximum financial loss. For example, in years 1 and 3, the loss events happened two and one times, respectively. Still, they are around a thousand dollars (most of them nearby million but not million). And those amounts cover by net commercial reinsurer payment a little bit less than half amount. However, in year 2, loss events happened three times, and within those events, one of them cost a thousand dollars. Overall, how's the loss history?