Ernie Garateix | Chief Executive Officer |
Kirk Lusk | Chief Financial Officer |
Paul Newsome | Piper Sandler |
Mark Hughes | Truist |
Good day and welcome to the Heritage Insurance Holdings Fourth Quarter 2022 Earnings Conference Call. [Operator Instructions] Please note today’s event is being recorded. I would now like to turn the conference over to Kirk Lusk, Chief Financial Officer for the company. Please go ahead, sir.
Good morning and thank you for joining us today.