{"schema_version":"secwatch.filing_event.v1","accession":"0001788882-22-000016","form_type":"8-K","ticker":"ROOT","cik":"0001788882","company_name":"Root, Inc.","filed_at":"2022-04-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:02.326440+00:00","generated_at":"2026-06-26T04:11:45.274313+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Root, Inc. reports Q1 2022: GWP -8%, gross loss $(12)M, loss ratio improves to 81%","bullets":["Gross written premium $187M, down 8% YoY; gross profit $(12)M, down $19M YoY.","Accident period loss ratio 81%, 12-point sequential improvement from Q4'21.","Non-loss/LAE expenses down 23% sequentially, 42% YoY; operating loss improved 25% vs Q1'21.","Carvana partnership drove 13% of new premium; fully embedded V2 rollout expected Q2'22.","New CFO Rob Bateman appointed; capital position $736M after BlackRock term loan."],"urls":{"canonical":"https://secwatch.observer/filing/0001788882-22-000016","json":"https://secwatch.observer/filing/0001788882-22-000016.json","markdown":"https://secwatch.observer/filing/0001788882-22-000016.md","text":"https://secwatch.observer/filing/0001788882-22-000016.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1788882/000178888222000016/0001788882-22-000016-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1788882/000178888222000016/root-20220427.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-26T04:11:45.274313+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"}