Arash Soleimani | Executive Vice President |
Ernie Garateix | Chief Executive Officer |
Kirk Lusk | Chief Financial Officer |
Matt Carletti | JMP |
Paul Newsome | Piper Sandler |
Mark Hughes | Truist |
00:04 Good morning, and welcome to the Heritage Insurance Holdings Third Quarter twenty twenty one Financial Results Conference Call. My name is Ian, and I'll be your operator today. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. Please note, this event is being recorded.