UNIVERSAL INSURANCE HOLDINGS INC

Good morning, ladies and gentlemen, and welcome to Universal's third quarter 2026 earnings conference call. At this time, all participants are in a listen-only mode. 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 investor 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. In the quarter, we delivered a very strong 32.7% ANNUALIZED RETURN ON COMMON EQUITY DRIVEN BY SOLID UNDERWRITING AND REVENUE PERFORMANCE. OUR NET LOSS RATIO CONTINUES TO IMPROVE AND NEW BUSINESS TRENDS ARE SOLID, INCLUDING 8% GROWTH IN POLICIES AND FORCE. SUBSEQUENT TO QUARTER END, HURRICANE EAST IAS MADE LANDFALL NEAR DESTIN IN THE WESTERN FLORIDA PANHANDLE AS A CATEGORY 2 HURRICANE AND QUICKLY WEAKENED AS IT MOVED INLAND. Our claims team was deployed immediately with field adjusters on the ground in the affected areas, and we have been in direct contact with policyholders to expedite inspections and payments. Our focus is on helping our customers recover as quickly as possible, and we view the storm as manageable based on claims activity to date. I'll turn it over to Frank to walk through our financial results.