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, 2019 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 ...

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, 2019 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Securities registered pursuant to Secti ...

Financial Data and Key Metrics Changes - The company reported non-GAAP adjusted EPS of $0.61, with revenue growth of 11.4% compared to the same quarter last year [6] - Year-to-date total revenue increased by 15.2% to $699.9 million [6] - Year-to-date EPS was $2.82 on a GAAP basis and $2.67 on a non-GAAP adjusted basis [7] - The annualized return on average equity was 23.9%, and book value per share grew by 12.7% [7][13] Business Line Data and Key Metrics Changes - Direct premiums written increased by 7.4% year-to-date, with strong growth outside of Florida and rate increases within Florida [7][15] - Premiums in force grew to approximately $1.3 billion, an increase of 8.5% from the prior year [14] - Total services revenue increased by 17.7% to $14.9 million for the quarter, driven by commission revenue from reinsurance intermediary Blue Atlantic [23] Market Data and Key Metrics Changes - Direct premium written growth was 27.6% in states outside of Florida for the quarter [14] - The net loss and loss adjustment expense ratio increased by 18.8 points for the quarter to 64.3% [20] Company Strategy and Development Direction - The company launched a multi-raider quote platform on Clovered, allowing consumers to receive up to five side-by-side quotes online [8] - The company is focused on geographic diversification and building relationships with agents to drive growth outside of Florida [72] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the impact of AOB legislation on claims handling and operational efficiency [64] - The company is monitoring reinsurance market dynamics closely, especially in light of global weather events [56][40] Other Important Information - The effective tax rate for the third quarter was 29%, an increase of 2.5 points over the prior year's quarter [27] - The company repurchased approximately 964,000 shares at an aggregate cost of $25.7 million during the third quarter [29] Q&A Session Summary Question: How should the large amount of repurchases this quarter be viewed? - Management indicated that the repurchases were based on perceived undervaluation and should not be seen as a run rate going forward [45][46] Question: How much excess capital does the company estimate it has right now? - Management refrained from disclosing specific figures, stating that a clearer picture would be available at year-end [47] Question: What are the drivers behind the increase in commission revenues? - The increase is attributed to higher exposures and a larger percentage of reinsurance purchased from third parties [48] Question: Is the mid-30s expense ratio where the company should be modeling going forward? - Management confirmed that the expense ratio is within the expected range but is influenced by various factors [50][53] Question: How independent are Florida renewals from other markets? - Management stated that Florida renewals are independent and can move in different directions compared to other markets [59] Question: What is the status of the Irma loss and how is it being managed? - Management noted that the majority of the increased losses from Irma are covered by the Florida Hurricane Cat Fund [62] Question: Are there any operational metrics showing improvement from AOB reform? - Management expressed cautious optimism about AOB legislation benefits and highlighted their unique claims handling process [64][65]

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, 2019 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 Insurance Holdings, Inc. (NYSE:UVE) Q2 2019 Earnings Conference Call August 1, 2019 8:30 AM ET Company Participants Rob Luther - VP, IR & Corporate Strategy Steve Donaghy - CEO Frank Wilcox - CFO Jon Springer - President & Chief Risk Officer Conference Call Participants Christopher Campbell - KBW Samir Khare - Capital Returns Management Operator Good morning, ladies and gentlemen, and welcome to the UVE Second Quarter 2019 Earnings Conference Call. At this time, all participants are in a listen-on ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ________________________________________________________ FORM 10-Q ________________________________________________________ (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 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 ...

Universal Insurance Holdings, Inc. (NYSE:UVE) Q1 2019 Earnings Conference Call April 24, 2019 8:30 AM ET Company Participants Rob Luther - VP, Corporate Strategy & IR Sean Downes - Chairman and CEO Jon Springer - President and CRO Frank Wilcox - CFO Conference Call Participants Christopher Campbell - KBW Samir Khare - Capital Returns Operator Good day, ladies and gentlemen, and thank you for standing by. Welcome to UVE First Quarter 2019 Earnings Conference Call. At this time, all participants are in a list ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 (State or other jurisdiction of incorporation or organization) Delaware 65-0231984 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, 2018 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 INSURANCE HOLDINGS, INC. (Exact na ...

Financial Data and Key Metrics Changes - The company ended Q4 2018 with direct written premium up 12.3%, primarily due to strong growth in Florida and other states [8] - GAAP EPS reported a loss of $0.18, impacted by Hurricane Irma claims, while non-GAAP adjusted EPS was $0.13 [10][21] - Full year GAAP EPS grew 9.4% to $3.27, and GAAP adjusted EPS increased 39.3% to $4.11 [12][21] - Return on average equity was 24.1%, marking the sixth consecutive year with over 20% return [12] - Book value per share grew 13.8% [12] Business Line Data and Key Metrics Changes - In-force premium grew to approximately $1.2 billion, an increase of 12.8% from the prior year [22] - Direct premiums written were up 12.3% for the quarter, with Florida growing 8.7% and other states 33.9% [22] - Total services revenue declined to $12.2 million for the quarter but increased 5.9% to $49.9 million for the full year [31] Market Data and Key Metrics Changes - The company continues to monitor assignment of benefits (AOB) legislation in Florida, which has impacted claims dynamics [11] - The average rate increase in Florida was 3.4% approved in late 2017, contributing to underlying growth [22] Company Strategy and Development Direction - The company announced a customer-facing digital transformation to improve customer experience [13] - A new digital insurance distribution channel, Clovered, was launched to provide educational resources and streamline policy purchases [16] - The strategic focus is on creating a best-in-class experience across the insurance continuum, leveraging differentiated capabilities [18] Management's Comments on Operating Environment and Future Outlook - Management noted that the adverse development in claims is correlated with increased litigation post-Hurricane Irma [53] - The company is optimistic about the performance of 2018 claims and is taking steps to improve communication with outside counsel to reduce litigation [62] - Future loss picks are expected to increase due to portfolio expansion and conservative positioning in Florida [64] Other Important Information - The effective tax rate for the full year improved to 23.4%, reflecting a decrease in the underlying effective tax rate [33] - The company repurchased approximately 346,000 shares for a total cost of $14.2 million in Q4 2018 [34] - A quarterly cash dividend of $0.16 per share was declared, payable on March 25, 2019 [35] Q&A Session Summary Question: Can you break down the reserve charge by accident year and geography? - Management indicated that the adverse development is predominantly related to areas affected by Hurricane Irma and will provide a breakdown later [52][61] Question: How is the adverse development affecting current year loss picks? - Management stated that 2018 is performing well and they are increasing the loss pick to 37 due to portfolio spread and conservative positioning in Florida [62][64] Question: What is the status of the rate filing process? - Management confirmed a pending rate filing in Florida and noted rate increases in other states [70] Question: What is the company's cat fund participation for reinsurance renewals? - The company renewed its cat fund participation at 90%, the same as the previous year [71][72] Question: How much capital is available for buybacks? - The company has $91 million in cash available at the holding company level [95]