{"schema_version":"secwatch.filing_event.v1","accession":"0000101199-22-000093","form_type":"8-K","ticker":"UFCS","cik":"0000101199","company_name":"UNITED FIRE GROUP INC","filed_at":"2022-11-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.221447+00:00","generated_at":"2026-06-22T11:28:15.642459+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"United Fire Group reports Q3 net loss of $0.91 per share; combined ratio 111.7%","bullets":["Net loss of $23.0M ($0.91 per diluted share); adjusted operating loss of $0.47 per share.","GAAP combined ratio of 111.7% driven by catastrophe loss ratio of 11.4% (incl. Hurricane Ian 5.7%) and unfavorable reserve development of 5.9%.","Net premiums written up 9.1% vs Q3 2021; net premiums earned essentially flat (-0.3%).","Book value per share fell to $27.82, down 20.6% from $35.05 at year-end 2021, mainly due to $156.1M decrease in unrealized fixed-income gains.","Quarterly dividend maintained at $0.16 per share; declared and paid in Q3."],"urls":{"canonical":"https://secwatch.observer/filing/0000101199-22-000093","json":"https://secwatch.observer/filing/0000101199-22-000093.json","markdown":"https://secwatch.observer/filing/0000101199-22-000093.md","text":"https://secwatch.observer/filing/0000101199-22-000093.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/101199/000010119922000093/0000101199-22-000093-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/101199/000010119922000093/ufcs-20221102.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T11:28:15.642459+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"1eabea2516a885109a0f72c683262fb13e2db938","claim":"UNITED FIRE GROUP INC reported the quarter ended September 30, 2022 results: revenue $238,256, net income $23.0 million, EPS $0.91 per diluted share.","evidence_excerpt":"Financial Highlights (unaudited) Three Months Ended September 30, Nine Months Ended September 30, (In Thousands, Except Per Share Data) 2022 2021 2022 2021 Net premiums earned $ 238,256 $ 238,909 $ 703,746 $ 722,837 Net premiums written 247,417 226,708 749,492 720,575 Net underlying loss ratio (1) 59.3 % 61.5 % 57.5 % 65.0 % Catastrophes-effect on net loss ratio","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/101199/000010119922000093/0000101199-22-000093-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2022"},{"label":"Revenue","value":"$238,256"},{"label":"Net income","value":"$23.0 million"},{"label":"EPS","value":"$0.91 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}