American Coastal Insurance (NASDAQ: ACIC) executive reports 478-share tax withholding event

Rhea-AI Filing Summary

American Coastal Insurance Corp Chief Underwriting Officer Troy J. Crawford reported a tax-withholding disposition of 478 shares of Common Stock on July 15, 2026, at $10.13 per share. The shares were surrendered to cover tax obligations, and he now directly owns 12,107 shares of ACIC common stock.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Crawford Troy J

Role Chief Underwriting Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	478	$10.13	$5K

Holdings After Transaction: Common Stock — 12,107 shares (Direct)

Footnotes (1)

Key Figures

Shares withheld for taxes: 478 shares Per-share valuation: $10.13 per share Shares owned after transaction: 12107 shares

3 metrics

Shares withheld for taxes 478 shares Tax-withholding disposition on July 15, 2026

Per-share valuation $10.13 per share Value used for the tax-withholding disposition of 478 shares

Shares owned after transaction 12107 shares Directly owned Common Stock following the tax-withholding event

Key Terms

tax-withholding disposition, non-derivative, Payment of exercise price or tax liability by delivering securities

3 terms

tax-withholding disposition financial

"Transaction action described as a tax-withholding disposition of shares"

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

non-derivative financial

"Security in the Form 4 is classified as non-derivative Common Stock"

Payment of exercise price or tax liability by delivering securities financial

"Transaction code F explained as payment of exercise price or tax liability"

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 07/17/2026 - 03:57 PM Accepted by SEC EDGAR 07/17/2026 - 03:57 PM Learn about SEC filing dates

FAQ

What insider transaction did ACIC executive Troy J. Crawford report?

Troy J. Crawford reported a tax-withholding disposition of 478 shares of American Coastal Insurance Corp Common Stock. The shares were surrendered to satisfy tax obligations rather than sold in an open-market transaction.

At what price were the 478 ACIC shares valued in the Form 4?

The 478 shares were valued at $10.13 per share. This price is used to calculate the value of stock withheld to cover tax liabilities, not the proceeds of an open-market sale.

How many ACIC shares does Troy J. Crawford own after this transaction?

After the reported tax-withholding disposition, Troy J. Crawford directly owns 12,107 shares of American Coastal Insurance Corp Common Stock. This figure reflects his direct holdings following the 478-share withholding event.

Was the ACIC insider transaction by Troy J. Crawford made under a Rule 10b5-1 plan?

The filing indicates the Rule 10b5-1 checkbox is not marked. That means the reported tax-withholding disposition was not affirmatively identified as being executed pursuant to a pre-arranged trading plan.

What does transaction code "F" mean in the ACIC Form 4 filing?

Transaction code "F" represents payment of exercise price or tax liability by delivering securities. In this case, 478 shares were withheld to cover tax obligations associated with equity compensation, rather than sold for discretionary trading.

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^*

Crawford Troy J

(Last) (First) (Middle)

570 CARILLON PARKWAY, SUITE 100

(Street)

ST. PETERSBURG FLORIDA 33716

(City) (State) (Zip)

UNITED STATES

(Country)

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 Underwriting Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
07/15/2026

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

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

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

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
Common Stock	07/15/2026		F		478	D	$10.13	12,107	D

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

Explanation of Responses:

	/s/ Alexander Baty, Attorney-in-Fact for Troy Crawford	07/17/2026
	** 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.
* Form 4: SEC 1474 (03-26)