{"schema_version":"secwatch.filing_event.v1","accession":"0000891166-26-000085","form_type":"8-K","ticker":"UVE","cik":"0000891166","company_name":"UNIVERSAL INSURANCE HOLDINGS, INC.","filed_at":"2026-07-23T20:15:24+00:00","discovered_at":"2026-07-23T20:16:00.328686+00:00","generated_at":"2026-07-23T20:16:08.114196+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 Q2 EPS $2.04, revenue up 6.7%; combined ratio improves to 91.6%","bullets":["Diluted GAAP EPS of $2.04 vs $1.21 prior year; adjusted EPS $1.84 vs $1.23.","Total revenues $427M, up 6.7%; net premiums earned $377.3M, up 4.7%.","Net loss ratio improved 7.5 pts to 64.8%; combined ratio 91.6% vs 97.8%.","Direct premiums written $621.3M, up 4.1%; policies in force up 7.1% to 934k.","Book value per share $22.89, up 39.7% YoY; quarterly dividend $0.16/share declared."],"urls":{"canonical":"https://secwatch.observer/filing/0000891166-26-000085","json":"https://secwatch.observer/filing/0000891166-26-000085.json","markdown":"https://secwatch.observer/filing/0000891166-26-000085.md","text":"https://secwatch.observer/filing/0000891166-26-000085.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/891166/000089116626000085/0000891166-26-000085-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/891166/000089116626000085/uve-20260723.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-23T20:16:08.114196+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"}