Amendment No. 12 to Schedule 13D for Root, Inc.

This filing, Amendment No. 12 to the Schedule 13D, concerns Root, Inc.'s Class A common stock. Carvana Group, LLC, along with its parent entities Carvana Co. Sub LLC and Carvana Co., may be deemed to beneficially own an aggregate of 3,708,454 shares of Class A Common Stock. This ownership represents approximately 21.2% of the outstanding shares. These shares are held through the conversion of Preferred Stock and the exercise of Warrants. Specifically, 780,727 shares are issuable upon conversion of 14,053,096 shares of Preferred Stock, and 2,927,727 shares are issuable upon exercise of Exercisable Warrants. The Tranche 2 Warrants, representing the right to purchase 1,491,907 shares at $225.00, became exercisable on February 28, 2026. The filing incorporates information from previous amendments and the issuer's Form 10-K.