American Coastal Insurance (ACIC) CFO granted 717 restricted stock units

Rhea-AI Filing Summary

American Coastal Insurance Corp’s Chief Financial Officer, Svetlana Castle, reported receiving 717 restricted stock units on 01/09/2026. Each unit represents a conditional right to receive one share of the company’s common stock, and related dividend equivalent units will vest in step with the underlying restricted stock units.

After this grant, Castle beneficially owns 11,531 derivative securities, all held directly. The transaction was reported as an acquisition at a reference price of $11.31 per unit.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Castle Svetlana

Role Chief Financial Officer

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Unites	717	$11.31	$8K

Holdings After Transaction: Restricted Stock Unites — 11,531 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^*

Castle Svetlana

(Last) (First) (Middle)

570 CARILLON PARKWAY, SUITE 100

(Street)

SAINT 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 Financial 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 Unites	(1)	01/09/2026		A		717		(2)	(2)	Common Stock	717	$11.31	11,531	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 Svetlana Castle	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 disclose in this Form 4?

The filing reports that ACIC’s Chief Financial Officer, Svetlana Castle, acquired 717 restricted stock units on 01/09/2026.

Who is the reporting person in the ACIC Form 4 filing?

The reporting person is Svetlana Castle, who serves as Chief Financial Officer of American Coastal Insurance Corp.

How many restricted stock units did the ACIC CFO receive and at what price?

Svetlana Castle received 717 restricted stock units, reported with a reference price of $11.31 per unit.

What does each restricted stock unit represent for ACIC?

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

What are the dividend equivalent units mentioned in the ACIC Form 4?

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

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

Following the grant, Svetlana Castle beneficially owns 11,531 derivative securities linked to ACIC common stock, all reported as held directly.

Is the ACIC Form 4 filed by one or multiple reporting persons?

The document indicates it is a Form filed by one reporting person, namely Chief Financial Officer Svetlana Castle.