 Universal Insurance Holdings, Inc. NYSE:UVE Q3 2022 Earnings Conference Call October 28, 2022 10:00 AM ET Company Participants Arash Soleimani Chief Strategy Officer Steve Donaghy Chief Executive Officer Frank Wilcox Chief Financial Officer Conference Call Participants Paul Newsome Piper Sandler Nick Iacoviello Dowling Operator Good morning, ladies and gentlemen, and welcome to Universals Third Quarter 2022 Earnings Conference Call. As a reminder, this conference call is being recorded. 