{"schema_version":"secwatch.filing_event.v1","accession":"0000891166-24-000030","form_type":"8-K","ticker":"UVE","cik":"0000891166","company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","filed_at":"2024-05-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.337252+00:00","generated_at":"2026-06-01T07:33:20.077195+00:00","sec_items":["8.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"Universal Insurance completes 2024-2025 reinsurance program; cost rises to 33% of premium","bullets":["Combined first event retention unchanged at $45M; total tower of $2.404B for single All States event.","Total reinsurance cost projected at ~33% of direct earned premium, up from 31.8% last year.","Replaced $217M of cost-free RAP coverage and $150M expiring cat bond with traditional market capacity.","Secured $240M of multi-year capacity extending to 2025-2026, including $165M below FHCF layer.","Largest private reinsurers rated A or higher; key partners include Nephila, Markel, RenaissanceRe, Munich Re."],"urls":{"canonical":"https://secwatch.observer/filing/0000891166-24-000030","json":"https://secwatch.observer/filing/0000891166-24-000030.json","markdown":"https://secwatch.observer/filing/0000891166-24-000030.md","text":"https://secwatch.observer/filing/0000891166-24-000030.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/891166/000089116624000030/0000891166-24-000030-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/891166/000089116624000030/uve-20240530.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-01T07:33:20.077195+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"}