ACIC officer granted options and stock units

AMERICAN COASTAL INSURANCE Corp officer Brooke Adler received new equity awards as part of compensation.

Rhea-AI Filing Summary

AMERICAN COASTAL INSURANCE Corp officer Brooke Adler received new equity awards as part of compensation. On May 12, 2026, Adler was granted 13,246 nonqualified stock options with an exercise price of $10.59 per share, bringing option holdings to 220,249. She also received 19,830 performance stock units and 9,915 restricted stock units, increasing those balances to 35,987 and 17,994 units, respectively.

The options and restricted stock units vest over three years in roughly equal annual installments. The performance stock units also vest over three years, and the actual shares delivered can range from 0% to 150% of the granted amount depending on performance goals.

Insider Trade Summary

Grant/Award: 42,991 shares

Grant/Award 3 txns

Insider Adler Brooke

Role Secretary

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Units	9,915	$0.00	$0.00
Grant/Award	Performance Stock Units	19,830	$0.00	$0.00
Grant/Award	Nonqualified Stock Options	13,246	$0.00	$0.00

Holdings After Transaction: Restricted Stock Units — 17,994 contracts (Direct); Performance Stock Units — 35,987 contracts (Direct); Nonqualified Stock Options — 220,249 contracts (Direct)

Footnotes (5)

1. F1. Each stock unit represents a conditional right to receive one share of the company's common stock.
2. F2. The restricted stock units are subject to vesting over three years with one third, rounded down to the nearest whole share of stock, vesting in each period.
3. F3. The performance units are subject to vesting over three years with one third, rounded down to the nearest whole share of stock, vesting in each period.
4. F4. The number of shares of common stock that will be delivered for each performance stock unit depends on the achievement of certain performance factors. Depending on actual performance, the number of shares of common stock delivered upon the vesting date (based on the terms outlined in the respective award agreement) can range from 0% to 150% of the number presented above.
5. F5. Exercise of the nonqualified award is subject to vesting over three years with one third, rounded down to the nearest whole share of stock, becoming exercisable in each period.

Key Figures

Options granted: 13,246 options Option exercise price: $10.59 per share Options after grant: 220,249 options +5 more

8 metrics

Options granted 13,246 options Nonqualified stock options granted on May 12, 2026

Option exercise price $10.59 per share Exercise price for nonqualified stock options

Options after grant 220,249 options Total nonqualified stock options following transaction

Performance units granted 19,830 units Performance stock units granted on May 12, 2026

Performance units after grant 35,987 units Total performance stock units following transaction

Restricted units granted 9,915 units Restricted stock units granted on May 12, 2026

Restricted units after grant 17,994 units Total restricted stock units following transaction

Option expiration May 12, 2036 Expiration date of nonqualified stock options

Key Terms

Nonqualified Stock Options, Performance Stock Units, Restricted Stock Units, vesting over three years, +2 more

6 terms

Nonqualified Stock Options financial

"security_title: "Nonqualified Stock Options""

A nonqualified stock option is a company-issued right that lets an employee or contractor buy shares later at a preset price, like a coupon to purchase stock regardless of the market price. It matters to investors because when the option is used the recipient owes ordinary-income tax on the difference between market and preset price, which affects the holder’s financial decisions and can change the company’s share count and reported expenses.

Performance Stock Units financial

"security_title: "Performance Stock Units""

Performance stock units are a type of company award that grants employees shares of stock only if certain performance goals are met. They motivate employees to work toward specific company achievements, aligning their interests with those of shareholders. For investors, they can influence a company's future stock supply and reflect management’s confidence in reaching key targets.

Restricted Stock Units financial

"security_title: "Restricted Stock Units""

Restricted stock units are a type of company reward where employees are promised shares of stock, but they only fully own these shares after meeting certain conditions, like staying with the company for a set time. They matter because they can become valuable assets and are often used to motivate employees to help the company succeed.

vesting over three years financial

"are subject to vesting over three years with one third vesting in each period"

performance factors financial

"depends on the achievement of certain performance factors"

nonqualified award financial

"Exercise of the nonqualified award is subject to vesting over three years"

FAQ

What equity awards did Brooke Adler receive from AMERICAN COASTAL INSURANCE (ACIC)?

Brooke Adler received nonqualified stock options, performance stock units, and restricted stock units. The grants were for 13,246 options, 19,830 performance stock units, and 9,915 restricted stock units, all linked to AMERICAN COASTAL INSURANCE Corp common stock.

What is the exercise price and term of Brooke Adler’s new stock options at ACIC?

The new nonqualified stock options have an exercise price of $10.59 per share. They are scheduled to vest over three years and expire on May 12, 2036, giving Adler a long window to exercise once vested.

How do Brooke Adler’s performance stock units at ACIC vest and pay out?

The performance stock units vest over three years, with one third vesting each period. The actual common shares delivered can range from 0% to 150% of 19,830 units, depending on achievement of specified performance factors in the award agreement.

How do the restricted stock units granted to Brooke Adler at ACIC vest?

The 9,915 restricted stock units vest over three years, with one third of the units, rounded down to whole shares, vesting in each period. Each vested unit represents the right to receive one share of AMERICAN COASTAL INSURANCE Corp common stock.

How many derivative equity awards does Brooke Adler hold after these ACIC grants?

After these grants, Adler holds 220,249 nonqualified stock options, 35,987 performance stock units, and 17,994 restricted stock units. Each unit generally represents a conditional right to receive one share of AMERICAN COASTAL INSURANCE Corp common stock, subject to vesting conditions.

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Accepted by SEC EDGAR 05/14/2026 - 04:08 PM Learn about SEC filing dates

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^*

Adler Brooke

(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)
	Secretary

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/12/2026

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

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)	05/12/2026		A		9,915		(2)	(2)	Common Stock	9,915	$0.00	17,994	D
Performance Stock Units	(1)	05/12/2026		A		19,830		(3)	(4)	Common Stock	19,830	$0.00	35,987	D
Nonqualified Stock Options	$10.59	05/12/2026		A		13,246		(5)	05/12/2036	Common Stock	13,246	$0.00	220,249	D

Explanation of Responses:

1. Each stock unit represents a conditional right to receive one share of the company's common stock.

2. The restricted stock units are subject to vesting over three years with one third, rounded down to the nearest whole share of stock, vesting in each period.

3. The performance units are subject to vesting over three years with one third, rounded down to the nearest whole share of stock, vesting in each period.

4. The number of shares of common stock that will be delivered for each performance stock unit depends on the achievement of certain performance factors. Depending on actual performance, the number of shares of common stock delivered upon the vesting date (based on the terms outlined in the respective award agreement) can range from 0% to 150% of the number presented above.

5. Exercise of the nonqualified award is subject to vesting over three years with one third, rounded down to the nearest whole share of stock, becoming exercisable in each period.

	/s/ Alexander Baty, Attorney-in-Fact for Brooke Adler	05/14/2026
	** 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)