Universal Insurance Holdings, Inc. (NYSE:UVE) Q4 2021 Earnings Conference Call February 25, 2022 9:00 AM ET Company Participants Rob Luther - Vice President, Corporate Development and Strategy and Investor Relations Steve Donaghy - Chief Executive Officer Frank Wilcox - Chief Financial Officer Conference Call Participants Tom Shimp - Piper Sandler Operator Good morning, ladies and gentlemen and welcome to the UVE Fourth Quarter 2021 Earnings Conference Call. At this time, all participants are in a listen-on ...