American Coastal Insurance (ACIC) president awarded 3,181 RSUs at $11.31

Rhea-AI Filing Summary

American Coastal Insurance Corp reported that President Brad Martz received 3,181 restricted stock units on January 9, 2026 at $11.31 per unit. Each stock unit is a conditional right to receive one share of the company’s common stock, meaning Martz’s future ownership can increase if these units vest. The filing also notes dividend equivalent units that will vest in step with the related restricted stock units, aligning payouts with future dividends. Following this award, Martz beneficially owns 51,135 derivative securities directly.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider MARTZ BRAD

Role President

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Units	3,181	$11.31	$36K

Holdings After Transaction: Restricted Stock Units — 51,135 shares (Direct)

Footnotes (1)

1. Each stock unit represents a conditional right to receive one share of the company's common stock. The dividend equivalent units will vest proportionately with the underlying restricted stock units to which they relate.

Form 4 Insider Transactions: What Each Field Means →

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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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^*

MARTZ BRAD

(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)
	President

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		3,181		(2)	(2)	Common Stock	3,181	$11.31	51,135	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 Brad Martz	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 ACIC President Brad Martz report?

President Brad Martz reported receiving 3,181 restricted stock units of American Coastal Insurance Corp on January 9, 2026, coded as an acquisition (A).

What does each restricted stock unit represent for ACIC (ACIC)?

Each restricted stock unit represents a conditional right to receive one share of American Coastal Insurance Corp’s common stock upon vesting.

At what price were Brad Martz’s ACIC restricted stock units valued?

The 3,181 restricted stock units were reported with a value of $11.31 per unit in the derivative securities table.

How many derivative securities does Brad Martz own after this ACIC grant?

After this grant, Brad Martz beneficially owns 51,135 derivative securities of American Coastal Insurance Corp, held with direct ownership.

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

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

What is Brad Martz’s role at American Coastal Insurance Corp?

Brad Martz is reported as an officer of American Coastal Insurance Corp, with the title of President, and is not listed as a director or 10% owner.