UNIVERSAL INSURANCE HOLDINGS INC

Good morning, ladies and gentlemen, and welcome to Universal's third quarter 2023 earnings conference call. As a reminder, this conference call is being recorded. I would now like to turn the conference over to Arash Soleimani, Chief Strategy Officer.

Good morning. Thank you for joining us today. Welcome to our quarterly earnings call. On the call with me today are Steve Donaghy, Chief Executive Officer, and Frank Wilcox, Chief Financial Officer. Before we begin, please note today's discussion may contain forward-looking statements and non-GAAP financial measures. Forward-looking statements involve assumptions, risks, and uncertainties that could cause actual results to differ materially from those statements. For more information, please see the press release on Universal's SEC filings, all of which are available on the Investors section of our website at universalinsuranceholdings.com and on the SEC's website A reconciliation of non-GAAP financial measures to comparable GAAP measures is included in the quarterly press release and can also be found on Universal's website at universalinsuranceholdings.com. With that, I'll turn the call over to Steve.

Thanks, Arash. Good morning, everyone. The third quarter benefited from strong and improving underlying trends, and I'm optimistic as I look forward. During the quarter, Hurricane Adalia made Florida landfall, And as always, we were there immediately to assist our policyholders in their time of need. The storm's severity appears considerably smaller than initially anticipated and is comfortably absorbed within our retention. We continue to enhance our best-in-class claims infrastructure, which together with our reinsurance capabilities serves to differentiate us from our peers. As we look forward, we are more confident in the Florida market which is our largest geography and have started to slowly increase new business in additional territories. In the third quarter, we completed the commutation of Hurricane Irma with the Florida Hurricane Catastrophe Fund, among partial commutations with private reinsurers for other storms as well. We're pleased to have these transactions behind us, and as we look ahead, we expect future storms to be more predictable and efficient given the benefits of recent legislation. I'll turn it over to Frank to walk through our financial results. Frank.