{"schema_version":"secwatch.filing_event.v1","accession":"0000891166-25-000055","form_type":"8-K","ticker":"UVE","cik":"0000891166","company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","filed_at":"2025-04-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.688489+00:00","generated_at":"2026-05-23T07:45:36.903936+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":"Universal Insurance Q1 net income up 23% to $41.4M; EPS $1.44","bullets":["Diluted GAAP EPS $1.44 vs $1.14; adjusted EPS $1.44; net income $41.4M, up 23.1%.","Direct premiums written $467.1M (+4.7%) from 34.7% growth outside Florida; policies in force up 5.5%.","Net combined ratio 95.0% improved 0.5 pts; loss ratio down 1.4 pts to 70.5% on lower weather losses.","Completed 2025-2026 reinsurance renewal early; secured $352M multi-year coverage through 2026-2027.","Declared Q2 dividend $0.16/share, payable May 16, record May 9."],"urls":{"canonical":"https://secwatch.observer/filing/0000891166-25-000055","json":"https://secwatch.observer/filing/0000891166-25-000055.json","markdown":"https://secwatch.observer/filing/0000891166-25-000055.md","text":"https://secwatch.observer/filing/0000891166-25-000055.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/891166/000089116625000055/0000891166-25-000055-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/891166/000089116625000055/uve-20250424.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-23T07:45:36.903936+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"}