Operator

Good afternoon, and welcome to HCI Group's First Quarter 2026 Earnings Call. My name is Tom, and I will be your conference operator. [Operator Instructions] Before we begin today's call, I would like to remind everyone that this conference call is being recorded and will be available for replay through June 6, 2026, starting later today. The call is also being broadcast live via webcast and available via webcast replay until May 6, 2027, on the Investor Information section of HCI Group's website at www.hcigroup.com.

I would now like to turn the call over to Nat Otis, HCI Investor Relations. Nat, please proceed.

Nathaniel Otis
Vice President of Investor Relations

Thank you, and good afternoon. Welcome to HCI Group's First Quarter 2026 Earnings Call. To access today's webcast, please visit the Investor Information section of our corporate website at www.hcigroup.com.

Before we begin, I'd like to take the opportunity to remind our listeners that today's presentation and responses to questions may contain forward-looking statements made pursuant to the Private Securities Litigation Reform Act of 1995. Words such as anticipate, estimate, expect, intend, plan and project and other similar words and expressions are intended to signify forward-looking statements.

Forward-looking statements are not guarantees of future results and conditions, but rather are subject to various risks and uncertainties. Some of these risks and uncertainties are identified