Universal Insurance Holdings, Inc. (NYSE:UVE) Q4 2020 Results Conference Call February 26, 2021 9:00 AM ET Company Participants Rob Luther - VP, Corporate Strategy and IR Steve Donaghy - CEO Frank Wilcox - CFO Conference Call Participants Tom Shimp - Piper Sandler Bill Broomall - Dowling & Partners Operator Good morning, ladies and gentlemen, and welcome to the UVE Fourth Quarter 2020 Earnings Conference Call. At this time, all participants' lines are in a listen-only mode. After the speaker presentation, t ...