Universal Insurance Holdings, Inc. (NYSE:UVE) Q4 2019 Earnings Conference Call March 3, 2020 9:00 AM ET Company Participants Rob Luther - VP, IR & Corporate Strategy Steve Donaghy - Chief Executive Officer Frank Wilcox - Chief Financial Officer Jon Springer - President and Chief Risk Officer Conference Call Participants Bill Broomall - Dowling & Partners Securities Operator Good morning, ladies and gentlemen, and welcome to the UVE Fourth Quarter 2019 Earnings Conference Call. At this time, all participant ...