HCI Group, Inc.

Good afternoon and welcome to HCI Group's fourth quarter and full year 2020 earnings call. My name is John and I will be your conference operator this afternoon. At this time, all participants will be in a listen-only mode. Before we begin today's call, I would like to remind everyone that this conference call is being recorded and we will be available for replay through April 11th, 2021, starting later this evening. The call is also being broadcast live via webcast and available via webcast replay until March 11, 2022. On the investor information section of HCI Group's website at www.hcigroup.com. I would now like to turn the call over to Rachel Swansiger, Investor Relations for HCI. Rachel, please go ahead.

Thank you and good afternoon. Welcome to HCI Group's fourth quarter and full year 2020 earnings call. With me on today's call is Parish Patel, our Chairman and Chief Executive Officer, and Mark Harmsworth, our Chief Financial Officer. Following Parish's opening remarks, Mark will review our financial performance for the fourth quarter and full year of 2020, and then turn the call back to Parish for a look ahead. Finally, we will take your questions. To access today's webcast, please visit the investor information section of our corporate website at www.hcigroup.com. Before we begin, I would like to take the opportunity to remind our listeners that today's presentation and responses to questions may contain forward-looking statements made pursuant to the Private Securities Litigation Reform Act of 1995. Words such as anticipate, estimate, expect, intend, plan, and project and other similar words and expressions are intended to signify forward-looking statements. Forward-looking statements are not guarantees of future results and conditions, but rather are subject to various risks and uncertainties. Some of these risks and uncertainties are identified in the company's filings with the Security and Exchange Commission. Should any risk or uncertainties develop into actual events, these developments could have material adverse effects on the company's business, financial conditions, and results of operations. HCI group disclaims all the obligations to update any forward-looking statements. Now with that, I would like to turn the call over to Parish Patel, our chairman and CEO. Parish?

Thank you, Rachel, and welcome, everyone. As you can imagine, we have a lot to discuss today. So I'm going to turn it right over to Mark to discuss our financial results for the quarter and for the year. Afterwards, I will discuss two major transactions how they benefit HCI in the future, and obviously discuss TIPPEDUP further. Mark.