{"schema_version":"secwatch.filing_event.v1","accession":"0001788882-22-000024","form_type":"8-K","ticker":"ROOT","cik":"0001788882","company_name":"Root, Inc.","filed_at":"2022-08-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:57.042991+00:00","generated_at":"2026-06-24T02:58:20.259849+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Root Q2 2022: Gross written premium falls 21% to $140M; loss ratio improves to 85%","bullets":["Gross written premium fell 21% to $140M; gross earned premium down 5% to $171M.","Net loss improved 50% YoY to $89M; adjusted EBITDA improved 59% YoY.","Gross accident period loss ratio improved 5 pts to 85% from 90% in Q2 2021.","Unencumbered capital $696M (down $40M from Q1); cash burn down 54% in H1 vs H1 2021.","Carvana new premium 31% of new business; V2 embedded product launched in July 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001788882-22-000024","json":"https://secwatch.observer/filing/0001788882-22-000024.json","markdown":"https://secwatch.observer/filing/0001788882-22-000024.md","text":"https://secwatch.observer/filing/0001788882-22-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1788882/000178888222000024/0001788882-22-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1788882/000178888222000024/root-20220808.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T02:58:20.259849+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"}