Item 3 of the Schedule 13D is hereby amended and supplemented to add the following: On August 31, 2026, Carvana Group, LLC ("Carvana Group") and Root, Inc. (the "Issuer") entered into a Warrant Cancellation and Exchange Agreement (the "Warrant Cancellation Agreement"), pursuant to which the five Long-Term Warrants previously reported in the Schedule 13D were cancelled and a new Common Stock Purchase Warrant (the "New Warrant") was issued to Carvana Group. No additional cash or other funds were utilized in connection with the transaction.

Item 4 of the Schedule 13D is hereby amended and supplemented to add the following: The Warrant Cancellation Agreement and the related transactions were effected to restructure the existing warrant arrangements between Carvana Group and the Issuer. Pursuant to the Warrant Cancellation Agreement, the five Long-Term Warrants (with exercise prices ranging from $180.00 to $540.00 per share and expiring September 1, 2027) were cancelled and exchanged for the New Warrant for an aggregate of 1,525,560 shares of Class A Common Stock across five tranches. Each tranche consists of 305,112 shares of Class A Common Stock with exercise prices ranging from $72.44 to $94.72 per share. The New Warrant is subject to certain conditions to exercise, including achievement of certain insurance sales metrics through the integrated automobile insurance solution for Carvana Group, LLC's online car buying platform (the "Integrated Platform"). As of the date hereof, none of the New Warrant tranches are exercisable. Concurrently with the Warrant Cancellation Agreement, the parties entered into a Second Amendment to the Investment Agreement (the "Second Amendment") and a First Amendment to the Registration Rights Agreement, which, among other things, amended the terms of both agreements to reflect the new warrant economics. Except as set forth in this Amendment No. 13 and the Schedule 13D, the Reporting Persons do not have any present plans or proposals that relate to or would result in any of the matters set forth in subparagraphs (a) through (j) of Item 4 of Schedule 13D.

Item 5(a) of the Schedule 13D is hereby amended and restated in its entirety as follows: The information set forth in Rows 11 and 13 of the cover pages hereto is incorporated herein by reference. The reported securities consist of 780,727 shares of Class A Common Stock issuable upon conversion of 14,053,096 shares of Preferred Stock of the Issuer, which are directly held by Carvana Group, LLC. As the sole manager of Carvana Group, LLC, Carvana Co. Sub LLC may be deemed to share beneficial ownership of the reported securities directly held by Carvana Group, LLC, and as the sole member of Carvana Co. Sub LLC, Carvana Co. may be deemed to share beneficial ownership of the reported securities directly held by Carvana Group, LLC. Each holder of Preferred Stock will have the right, at its option, to convert its Preferred Stock, in whole or in part, into a number of fully paid and non-assessable shares of Class A Common Stock determined in accordance with the then-effective Conversion Rate. The "Conversion Rate" is equal to the Liquidation Preference divided by the Conversion Price. The Conversion Price is subject to customary adjustments, including in the event of any stock split, reverse stock split, stock dividend, recapitalization or similar events. Pursuant to the New Warrant instrument, Carvana Group, LLC holds five tranches of warrants (the "Warrants") for the issuance of up to 1,525,560 shares of Class A Common Stock. The Warrants expire August 31, 2028, subject to certain extensions, and have exercise prices of $72.44 to $94.72. The five tranches of Warrants are subject to certain conditions to exercise, including relating to the achievement of certain defined milestones tied to insurance sales through the Integrated Platform. As of the date hereof, the conditions to exercise have not been satisfied. As a result of their beneficial ownership of the Preferred Stock, the Reporting Persons may be deemed to beneficially own an aggregate of 780,727 shares of Class A Common Stock, which represents approximately 5.4% of the outstanding shares of the Issuer's Class A Common Stock, as calculated pursuant to Rule 13d-3 of the Act, although on a fully-diluted and as-converted basis, such aggregate amount represents approximately 4.8% of the total Common Stock of the Issuer.

Item 5(b) of the Schedule 13D is hereby amended and restated in its entirety as follows: The information set forth in Items 7-10 of the cover pages hereto is incorporated by reference herein.

Item 5(c ) of the Schedule 13D is hereby amended and restated in its entirety as follows: Except as described herein, none of the Reporting Persons has effected any transaction in the Common Stock or securities convertible into or exercisable for Common Stock during the past 60 days. Neither the filing of this Amendment No. 13 nor any of its contents shall be deemed to constitute an admission by any of the Reporting Persons that such person is the beneficial owner of any of the shares of the Issuer's Common Stock referred to herein for purposes of the Act, or for any other purpose.

Not applicable.

Not applicable.

Item 6 of the Schedule 13D is hereby amended and supplemented to add the following: The descriptions of the Warrant Cancellation Agreement, the New Warrant, the Second Amendment to the Investment Agreement, and the First Amendment to the Registration Rights Agreement contained in this Amendment No. 13 are qualified in their entirety by reference to the full text of such agreements, copies of which are filed as exhibits hereto and incorporated herein by reference. The Reporting Persons' rights and obligations under the Commercial Agreement (as amended) with the Issuer, as previously described in the Schedule 13D, remain in effect.

Exhibit 1: Common Stock Purchase Warrant, dated August 31, 2026, issued by Root, Inc. to Carvana Group, LLC (incorporated by reference to Exhibit 4.1 to the Issuer's Current Report on Form 8-K filed with the Commission on September 1, 2026). Exhibit 2: Warrant Cancellation and Exchange Agreement, dated August 31, 2026, by and between Root, Inc. and Carvana Group, LLC (incorporated by reference to Exhibit 10.1 to the Issuer's Current Report on Form 8-K filed with the Commission on September 1, 2026). Exhibit 3: Second Amendment to the Investment Agreement, dated August 31, 2026, by and between Root, Inc. and Carvana Group, LLC (incorporated by reference to Exhibit 10.3 to the Issuer's Current Report on Form 8-K filed with the Commission on September 1, 2026). Exhibit 4: First Amendment to the Registration Rights Agreement, dated August 31, 2026, by and among Root, Inc. and Carvana Group, LLC (incorporated by reference to Exhibit 10.4 to the Issuer's Current Report on Form 8-K filed with the Commission on September 1, 2026).