Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ________________________________________________________ FORM 10-Q ________________________________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Num ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ________________________________________________________ FORM 10-Q ________________________________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to UNIVERSAL INSURANCE HOLD ...

Universal Insurance Holdings, Inc. (NYSE:UVE) Q2 2021 Results Conference Call July 29, 2021 9:00 AM ET Company Participants Rob Luther - VP, Corporate Strategy and IR Steve Donaghy - CEO Frank Wilcox - CFO Conference Call Participants Tom Shimp - Piper Sandler Nicolas Iacoviello - Dowling & Partners Operator Good morning, ladies and gentlemen, and welcome to the UVE Second Quarter 2021 Earnings Conference Call. At this time, all participant lines are in a listen-only mode. After the speakers' presentation, ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ________________________________________________________ FORM 10-Q ________________________________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2021 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 00 ...

Financial Data and Key Metrics Changes - The company reported a top line growth of close to 12% for Q1 2021, with total revenue increasing by 11.7% to $262.8 million compared to the same period in 2020 [6][9] - Margin expansion exceeded 200 basis points, with a total annualized return on average equity of 23.2% [6][10] - Adjusted EPS for the quarter was $0.84 on both GAAP and non-GAAP adjusted basis [10] Business Line Data and Key Metrics Changes - Direct premiums written increased by 9.2% for the quarter, with Florida experiencing a direct premium growth of 10.2% [10] - The combined ratio improved by 1 point to 93.1%, driven by a 2-point improvement in the loss and LAE ratio [10] - The expense ratio improved on a direct earned basis by 45 basis points, although increased reinsurance costs led to a 1 point increase in the net expense ratio [11] Market Data and Key Metrics Changes - The company actively reduced its policies in force sequentially and saw a decrease in new and renewal policy counts compared to Q1 2020 [7][8] - The investment portfolio's net investment income decreased by 56.3% to $3 million, primarily due to lower yields on reinvested assets [11] Company Strategy and Development Direction - The company is focused on capital management and ensuring that subsidiaries support the parent company effectively [31] - There is an emphasis on rate adequacy over aggressive growth, with management preferring slow growth that ensures profitability [22] - The company is exploring growth opportunities in additional states and focusing on insurance score products [34] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism regarding the potential benefits of legislative changes in Florida that could improve litigation trends [15] - The company is maintaining its guidance for 2021, expecting GAAP and non-GAAP adjusted EPS to range between $2.75 and $3 [12] - Management is closely monitoring weather-related losses and feels confident about their current claims handling capabilities [28] Other Important Information - The company repurchased approximately 15,000 shares at an aggregate cost of $245,000 during the first quarter [11] - A quarterly cash dividend of $0.16 per share was declared, payable on May 21, 2021 [11] Q&A Session Summary Question: Thoughts on the bills in the state legislature and potential benefits to litigation trends - Management highlighted the favorable aspects of House Bill 76 and expressed hope for positive legislative outcomes that could assist insurers [15] Question: Update on the examination of fees between insurers and corporate affiliates - Management confirmed ongoing discussions with the Department of Insurance and emphasized transparency in their relationships with subsidiaries [18][20] Question: Insights on the decrease in policies in force (PIF) and growth outside Florida - Management acknowledged the nominal decrease in out-of-state policies but expressed optimism for future growth opportunities [21] Question: Clarification on reserve development - Management explained the favorable net development despite gross unfavorable development due to reinsurance program coordination [23][25] Question: Impact of recent severe storms in Florida - Management reported manageable claims from recent storms, indicating no material impact on losses [27][28] Question: Update on loss picks and trends - Management noted that loss picks have been increased and are benefiting from rate increases flowing through their book [29] Question: Strategic updates on partnerships and initiatives - Management provided updates on partnerships with Verisk and Clovered, emphasizing growth in non-home markets and cross-selling opportunities [30][32]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ________________________________________________________ FORM 10-K ________________________________________________________ (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-33251 UNIVERSAL INS ...

Universal Insurance Holdings, Inc. (NYSE:UVE) Q4 2020 Results Conference Call February 26, 2021 9:00 AM ET Company Participants Rob Luther - VP, Corporate Strategy and IR Steve Donaghy - CEO Frank Wilcox - CFO Conference Call Participants Tom Shimp - Piper Sandler Bill Broomall - Dowling & Partners Operator Good morning, ladies and gentlemen, and welcome to the UVE Fourth Quarter 2020 Earnings Conference Call. At this time, all participants' lines are in a listen-only mode. After the speaker presentation, t ...

(Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-33251 ________________________________________________________ Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 _______________________________________________________ ...

Universal Insurance Holdings, Inc. (NYSE:UVE) Q3 2020 Results Conference Call October 28, 2020 9:00 AM ET Company Participants Rob Luther - VP, Corporate Strategy and IR Steve Donaghy - CEO Jon Springer - President and Chief Risk Officer Frank Wilcox - CFO Conference Call Participants Thomas Shimp - Piper Sandler Bill Broomall - Dowling & Partners Operator Good morning, ladies and gentlemen, and welcome to the UVE Third Quarter 2020 Earnings Conference Call. At this time, all participants are in a listen-on ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ________________________________________________________ FORM 10-Q ________________________________________________________ (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number 001-33251 ___________ ...