{"schema_version":"secwatch.filing_event.v1","accession":"0000101199-25-000069","form_type":"8-K","ticker":"UFCS","cik":"0000101199","company_name":"UNITED FIRE GROUP INC","filed_at":"2025-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.514591+00:00","generated_at":"2026-05-17T00:30:51.589456+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"United Fire Q3 net income $39.2M ($1.49 EPS), combined ratio 91.9%, net written premium record $328M","bullets":["Net income of $39.2M ($1.49 diluted EPS) vs $19.8M year ago; adjusted operating income $39.5M ($1.50).","Combined ratio improved 6.3 pts to 91.9%, best third-quarter in ~20 years; underlying combined ratio 90.6%.","Net written premium grew 7% to a Q3 record $328.2M; rates increased 5.8%, retention and new business above prior year.","Net investment income up 6.3% to $26.0M; book value per share $35.22, adjusted $36.34; ROE 12.7%."],"urls":{"canonical":"https://secwatch.observer/filing/0000101199-25-000069","json":"https://secwatch.observer/filing/0000101199-25-000069.json","markdown":"https://secwatch.observer/filing/0000101199-25-000069.md","text":"https://secwatch.observer/filing/0000101199-25-000069.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/101199/000010119925000069/0000101199-25-000069-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/101199/000010119925000069/ufcs-20251104.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:30:51.589456+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}