UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 --------------- FORM 8-K --------------- CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2004 --------------- TRIAD GUARANTY INC. (Exact name of registrant as specified in its charter) DELAWARE 56-1838519 State or Other I.R.S. Employer Jurisdiction of Identification Number Incorporation 101 SOUTH STRATFORD ROAD WINSTON-SALEM, NORTH CAROLINA 27104 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (336) 723-1282 NOT APPLICABLE (Former name or former address, if changed since last report) ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS (c) The following exhibit is furnished with this document: Number Exhibit ------ ------- 99 Press Release issued by Triad Guaranty Inc dated April 27, 2004 ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION On April 27, 2004, the registrant issued a press release to report results for its first quarter ended March 31, 2004. This release is furnished as exhibit 99 hereto. 2 SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. TRIAD GUARANTY INC. Date: April 27, 2004 By: /s/ Kenneth S. Dwyer ---------------------------- Kenneth S. Dwyer Vice President and Chief Accounting Officer 3