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    Mitchell Rubin • Raymond James

    Mitchell Rubin's questions to American Integrity Insurance Group Inc (AII) leadership

    Mitchell Rubin's questions to American Integrity Insurance Group Inc (AII) leadership • Q2 2025

    Question

    Mitchell Rubin of Raymond James asked for additional details on the quarter's favorable reserve development and how the expansion into insuring homes with older roofs is impacting the company's view on Probable Maximum Losses (PMLs).

    Answer

    President Jon Ritchie explained that the favorable development stemmed from prior accident years' non-catastrophe losses performing better than anticipated. Regarding older roofs, Jon Ritchie and Founder & CEO Bob Ritchie acknowledged that while older roofs have a higher PML, the premium collected compensates for the risk, and the impact is well-balanced given that over 80% of the current portfolio consists of new roofs.

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    Mitchell Rubin's questions to EverQuote Inc (EVER) leadership

    Mitchell Rubin's questions to EverQuote Inc (EVER) leadership • Q2 2025

    Question

    Mitchell Rubin of Raymond James, on behalf of Greg Peters, asked for color on the revenue trend in the home insurance vertical and inquired about the expected quarterly cadence of the new share repurchase program.

    Answer

    CFO Joseph Sanborn highlighted the home vertical's strong Q2 performance, with 23% year-over-year growth, attributing it to a more stable underwriting environment. He also explained that the new share repurchase program will be executed opportunistically based on market conditions and does not have a pre-planned quarterly cadence.

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