American Integrity Insurance Group, Inc. Q4 2025 Earnings Call Summary

Management attributes the record 63.7% combined ratio and 42.1% adjusted ROE to a combination of underwriting discipline, a catastrophe-free year, and legislative reforms in Florida. The company is transitioning from a reliance on Citizens Property Insurance Corporation takeouts to a growth engine powered by organic, voluntary policy acquisition. Strategic reentry into the Tri-County region and the middle-aged home market is driven by a normalized litigation environment following 2022 legislative refo ...