Director at American Coastal (ACIC) receives 5,000-share stock grant

Rhea-AI Filing Summary

DAVIS KERN MICHAEL reported acquisition or exercise transactions in this Form 4 filing.

American Coastal Insurance Corp director Michael Kern Davis reported an equity award of company stock. On a Form 4, he received a grant of 5,000 shares of American Coastal common stock as a compensation-related award at a stated price of $0.00 per share.

After this grant, his directly held position increased to 304,564 common shares. The filing also reports 4,626 common shares held indirectly for a first child and 4,626 common shares held indirectly for a second child, reflecting additional family-related holdings reported in his name.

Insider Trade Summary

3 transactions reported

Mixed 3 txns

Insider DAVIS KERN MICHAEL

Role null

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	5,000	$0.00	--
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 304,564 shares (Direct, null); Common Stock — 4,626 shares (Indirect, Held by First Child)

Footnotes (1)

Key Figures

Stock grant: 5,000 shares Direct holdings after grant: 304,564 shares Indirect holdings - First Child: 4,626 shares +1 more

4 metrics

Stock grant 5,000 shares Common Stock grant coded as A at $0.00 per share

Direct holdings after grant 304,564 shares Common Stock directly held by Michael Kern Davis after transaction

Indirect holdings - First Child 4,626 shares Common Stock reported as Held by First Child

Indirect holdings - Second Child 4,626 shares Common Stock reported as Held by Second Child

Key Terms

Common Stock, indirect ownership, grant or award acquisition, Form 4

4 terms

Common Stock financial

"He received a grant of 5,000 shares of American Coastal common stock"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

indirect ownership financial

"The filing also reports 4,626 common shares held indirectly for a first child"

grant or award acquisition financial

"The Form 4 reports a grant or award acquisition of 5,000 American Coastal Insurance common shares"

Form 4 regulatory

"On a Form 4, he received a grant of 5,000 shares"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

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^*

DAVIS KERN MICHAEL

(Last) (First) (Middle)

C/O AMERICAN COASTAL INSURANCE CORP.

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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/26/2026

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	05/26/2026		A		5,000	A	$0.00	304,564	D
Common Stock								4,626	I	Held by First Child
Common Stock								4,626	I	Held by Second Child

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 Kern M. Davis	05/28/2026
	** 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)

FAQ

What insider transaction did ACIC director Michael Kern Davis report?

Director Michael Kern Davis reported receiving a grant of 5,000 shares of American Coastal Insurance common stock. The award was recorded at a price of $0.00 per share, indicating a compensation-related equity grant rather than an open-market purchase.

How many ACIC shares does Michael Kern Davis hold after this Form 4?

Following the 5,000-share grant, Michael Kern Davis directly holds 304,564 American Coastal Insurance common shares. The Form 4 also lists 4,626 shares held for a first child and 4,626 shares held for a second child as indirect, family-related holdings.

Was the ACIC Form 4 transaction a market purchase or a grant?

The Form 4 reports a grant or award acquisition of 5,000 American Coastal Insurance common shares coded as “A.” This indicates a compensation-related stock award rather than a market purchase, with a reported price per share of $0.00.

How are family holdings of ACIC stock reported for Michael Kern Davis?

The filing lists 4,626 American Coastal Insurance common shares “Held by First Child” and 4,626 shares “Held by Second Child.” These positions are reported as indirect ownership, reflecting family-related holdings associated with the reporting person.

Does the ACIC Form 4 show any insider sales by Michael Kern Davis?

The Form 4 shows no insider sales for Michael Kern Davis. It reports one acquisition via a 5,000-share grant and two holding entries for shares attributed to his first and second children, with no transactions marked as sales.