{"schema_version":"secwatch.filing_event.v1","accession":"0000101199-23-000061","form_type":"8-K","ticker":"UFCS","cik":"0000101199","company_name":"UNITED FIRE GROUP INC","filed_at":"2023-08-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.859453+00:00","generated_at":"2026-06-12T03:37:56.344067+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"United Fire Q2 net loss $56.4M; combined ratio 132.9% on reserve strengthening","bullets":["Net loss of $56.4M ($2.23 per diluted share); adjusted operating loss of $2.27 per share.","Net premiums written up 14.6% to $299.1M; core commercial lines growth 10.1%.","GAAP combined ratio 132.9% driven by 20.8 pts prior-period reserve strengthening and 13.0 pts catastrophe losses.","Underlying combined ratio 99.1%; expense ratio improved to 34.5% from 35.2%.","Book value per share fell 8.8% to $26.77; net investment income rose 23.4% to $11.3M."],"urls":{"canonical":"https://secwatch.observer/filing/0000101199-23-000061","json":"https://secwatch.observer/filing/0000101199-23-000061.json","markdown":"https://secwatch.observer/filing/0000101199-23-000061.md","text":"https://secwatch.observer/filing/0000101199-23-000061.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/101199/000010119923000061/0000101199-23-000061-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/101199/000010119923000061/ufcs-20230807.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T03:37:56.344067+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":"699053a09aa58451538cc4d3f0cac0f512556aee","claim":"UNITED FIRE GROUP INC reported the quarter ended June 30, 2023 results: net income Net loss of $56.4 million, EPS ($2.23) per diluted share.","evidence_excerpt":"United Fire Group, Inc. (the \"Company\" or \"UFG\") (Nasdaq: UFCS) today reported financial results for the three-month period ended June 30, 2023 (the \"second quarter of 2023\") with a consolidated net loss of $56.4 million ($2.23 per diluted share)","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/101199/000010119923000061/0000101199-23-000061-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended June 30, 2023"},{"label":"Net income","value":"Net loss of $56.4 million"},{"label":"EPS","value":"($2.23) 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"}