Universal Insurance Holdings, Inc (NYSE:UVE) Q4 2018 Results Earnings Conference Call March 1, 2019 8:30 AM ET Company Participants Rob Luther - Vice President, Corporate Strategy & Investor Relations Sean Downes - Chairman and Chief Executive Officer Jon Springer - President and Chief Risk Officer Steve Donaghy - Chief Operating Officer Frank Wilcox - Chief Financial Officer. Conference Call Participants Christopher Campbell - KBW Samir Khare - Capital Returns Management Operator Good morning, ladies and g ...