{"schema_version":"secwatch.filing_event.v1","accession":"0001628280-24-035599","form_type":"8-K","ticker":"ROOT","cik":"0001788882","company_name":"Root, Inc.","filed_at":"2024-08-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:14.530768+00:00","generated_at":"2026-05-31T11:51:00.531552+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Root Q2 2024 gross premiums earned $308M (+134% YoY); net loss improved 79% to $8M","bullets":["Policies-in-force nearly doubled to 406,283; gross premiums written rose 113% to $308M.","Net loss improved 79% to $8M; operating income of $4M, adjusted EBITDA $12M.","Gross accident period loss ratio improved 2 pts to 62.4%; gross combined ratio 99.9%.","Reinsurance cession rate cut 36 pts to 15%; unencumbered capital $447M; operating cash flow positive for 4th consecutive quarter.","Targeting near-term net income profitability; competition increased but data-science marketing optimization performed as designed."],"urls":{"canonical":"https://secwatch.observer/filing/0001628280-24-035599","json":"https://secwatch.observer/filing/0001628280-24-035599.json","markdown":"https://secwatch.observer/filing/0001628280-24-035599.md","text":"https://secwatch.observer/filing/0001628280-24-035599.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1788882/000162828024035599/0001628280-24-035599-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1788882/000162828024035599/root-20240807.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T11:51:00.531552+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"}