American Coastal (ACIC) COO awarded 1,526 restricted stock units

Rhea-AI Filing Summary

American Coastal Insurance Corp's Chief Operating Officer Christopher Griffith reported an equity award in the form of derivative securities. On January 9, 2026, he was granted 1,526 restricted stock units, each representing a conditional right to receive one share of the company’s common stock. The units are valued at $11.31 per unit for reporting purposes and include dividend equivalent units that will vest in step with the underlying restricted stock units. Following this grant, Griffith beneficially owned 24,535 derivative securities related to the company’s common stock, all reported as directly held.

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^*

Griffith Christopher

(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)
	Chief Operating Officer

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		1,526		(2)	(2)	Common Stock	1,526	$11.31	24,535	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 Christopher Griffith	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 report for Christopher Griffith?

ACIC reported that Chief Operating Officer Christopher Griffith received an award of 1,526 restricted stock units on January 9, 2026, as disclosed on a Form 4.

How many American Coastal restricted stock units were granted and at what value?

Griffith was granted 1,526 restricted stock units with a reported value of $11.31 per unit.

What does each ACIC restricted stock unit represent in this Form 4?

Each stock unit represents a conditional right to receive one share of American Coastal’s common stock, according to the footnote.

What are dividend equivalent units in this ACIC insider filing?

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

How many derivative securities does the ACIC COO hold after this transaction?

After the reported grant, Christopher Griffith beneficially owned 24,535 derivative securities related to American Coastal’s common stock, held directly.

Is the ACIC COO considered a director or 10% owner in this Form 4?

No. The reporting person is identified as an officer, specifically the Chief Operating Officer, and is not marked as a director or 10% owner.