{"schema_version":"secwatch.filing_event.v1","accession":"0000891166-23-000049","form_type":"8-K","ticker":"UVE","cik":"0000891166","company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","filed_at":"2023-05-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.673284+00:00","generated_at":"2026-06-14T12:18:37.930509+00:00","sec_items":["8.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"UVE reinsurance program: cost ratio drops to 31.8%, retention cut $3.5M","bullets":["Total reinsurance cost projected at ~31.8% of direct premiums earned, down from ~37.6% last year.","Consolidated retention improved by $3.5M; UPCIC retention unchanged at $45M, APPCIC separate retention eliminated.","First event tower extends to $2.831 billion; full reinstatement on $846M for multi-event protection.","Secured $277M catastrophe capacity below FHCF extending into 2024 wind season; $150M bond in final year.","Largest private reinsurers all rated A+ or higher; no material changes to partners or terms."],"urls":{"canonical":"https://secwatch.observer/filing/0000891166-23-000049","json":"https://secwatch.observer/filing/0000891166-23-000049.json","markdown":"https://secwatch.observer/filing/0000891166-23-000049.md","text":"https://secwatch.observer/filing/0000891166-23-000049.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/891166/000089116623000049/0000891166-23-000049-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/891166/000089116623000049/uve-20230530.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-14T12:18:37.930509+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"}