American Coastal Insurance (ACIC) officer granted 1,279 restricted stock units

Rhea-AI Filing Summary

American Coastal Insurance secretary Brooke Adler received 1,279 restricted stock units on January 9, 2026. Each unit represents a conditional right to receive one share of the company’s common stock. The award includes dividend equivalent units that will vest in step with the underlying restricted stock units. Following this grant, Adler beneficially owned 20,557 derivative securities related to American Coastal Insurance common stock, all held directly.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Adler Brooke

(Last) (First) (Middle)

570 CARILLON PARKWAY, SUITE 100

(Street)

ST. PETERSBURG FL 33716

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
AMERICAN COASTAL INSURANCE Corp [ ACIC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Secretary

3. Date of Earliest Transaction (Month/Day/Year)
01/09/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
Restricted Stock Units	(1)	01/09/2026		A		1,279		(2)	(2)	Common Stock	1,279	$11.31	20,557	D

Explanation of Responses:

1. Each stock unit represents a conditional right to receive one share of the company's common stock.

2. The dividend equivalent units will vest proportionately with the underlying restricted stock units to which they relate.

	/s/ Alexander Baty, Attorney-in-Fact for Brooke Adler	01/12/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did AMERICAN COASTAL INSURANCE Corp (ACIC) report in this Form 4?

The Form 4 reports that officer Brooke Adler, the company’s Secretary, received 1,279 restricted stock units on January 9, 2026.

How many restricted stock units did Brooke Adler receive from ACIC?

Brooke Adler received 1,279 restricted stock units, recorded as a derivative security with a transaction code "A" for an acquisition.

What does each AMERICAN COASTAL INSURANCE restricted stock unit represent?

Each stock unit represents a conditional right to receive one share of AMERICAN COASTAL INSURANCE Corp common stock, according to the footnotes.

How many derivative securities does Brooke Adler hold after this Form 4 transaction?

After the reported grant, Brooke Adler beneficially owned 20,557 derivative securities related to AMERICAN COASTAL INSURANCE Corp common stock.

Were the AMERICAN COASTAL INSURANCE restricted stock units held directly or indirectly by Brooke Adler?

The Form 4 lists the ownership form as Direct (D), indicating that the derivative securities are held directly by Brooke Adler.

How do the dividend equivalent units on ACIC’s restricted stock units vest?

The filing states that the dividend equivalent units vest proportionately with the underlying restricted stock units to which they relate.

What transaction price per unit was reported for the AMERICAN COASTAL INSURANCE restricted stock units?

The Form 4 shows a transaction price per derivative security of $11.31 for the 1,279 restricted stock units.