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

Rhea-AI Filing Summary

Whittemore Kent G reported acquisition or exercise transactions in this Form 4 filing.

AMERICAN COASTAL INSURANCE Corp director Kent G. Whittemore received a grant of 5,000 shares of common stock on May 26, 2026, at no cash cost. After this award, he directly owns 374,267 common shares.

The filing also reports 19,618 shares of common stock held indirectly through his spouse’s IRA as of the same date.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Whittemore Kent G

Role null

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

Holdings After Transaction: Common Stock — 374,267 shares (Direct, null); Common Stock — 19,618 shares (Indirect, Beneficial Ownership, Held by Spouse's IRA)

Footnotes (1)

1. [object Object]

Key Figures

Stock grant: 5,000 shares Grant price: $0.0000 per share Direct holdings after grant: 374,267 shares +3 more

6 metrics

Stock grant 5,000 shares Common Stock grant on May 26, 2026

Grant price $0.0000 per share Price for 5,000-share award

Direct holdings after grant 374,267 shares Common Stock directly owned after transaction

Indirect holdings 19,618 shares Held via spouse's IRA, beneficial ownership

Acquire transactions 1 entry Grant/award acquisition in transaction summary

Holding entries 1 entry Indirect holding reported with unknown code

Key Terms

Form 4, grant/award acquisition, indirect ownership, Beneficial Ownership, +1 more

5 terms

Form 4 regulatory

"INSIDER FILING DATA (Form 4): { "issuerName": "AMERICAN COASTAL INSURANCE Corp""

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.

grant/award acquisition financial

""transaction_action": "grant/award acquisition", "transaction_code_description": "Grant, award, or other acquisition""

indirect ownership financial

""ownership_type": "indirect", "direct_or_indirect": "I", "nature_of_ownership": "Beneficial Ownership, Held by Spouse's IRA""

Beneficial Ownership financial

""nature_of_ownership": "Beneficial Ownership, Held by Spouse's IRA""

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

IRA financial

""nature_of_ownership": "Beneficial Ownership, Held by Spouse's IRA""

An individual retirement account (IRA) is a savings account designed to help people put aside money for their retirement, often with tax advantages that encourage long-term savings. It matters to investors because it can grow over time, providing financial security later in life, and offers benefits that can reduce current taxes or allow investments to compound more effectively.

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^*

Whittemore Kent G

(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	374,267	D(1)
Common Stock								19,618	I	Beneficial Ownership, Held by Spouse's IRA

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:

1. Shares held jointly with reporting person's spouse.

	/s/ Alexander Baty, Attorney-in-Fact for Kent G. Whittemore	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 Kent G. Whittemore report?

Kent G. Whittemore reported receiving a grant of 5,000 AMERICAN COASTAL INSURANCE Corp common shares. The award carried a price of $0.0000 per share, indicating a compensation-related grant rather than an open-market purchase, and increased his directly held position.

How many AMERICAN COASTAL INSURANCE (ACIC) shares does Whittemore hold after the grant?

After the reported grant, Whittemore directly holds 374,267 ACIC common shares. The Form 4 also shows 19,618 additional shares held indirectly through his spouse’s IRA, reflecting combined exposure reported in both direct and indirect ownership categories.

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

The Form 4 shows a grant or award acquisition of 5,000 ACIC common shares coded as “A.” The transaction price per share is listed as $0.0000, confirming it was a compensation-type grant rather than an open-market stock purchase on an exchange.

What does indirect ownership in Whittemore’s ACIC filing represent?

Indirect ownership in this filing refers to 19,618 ACIC common shares held through his spouse’s IRA. This position is identified as “Beneficial Ownership, Held by Spouse's IRA,” meaning the shares are not held in his name directly but are still reportable.

Does the ACIC Form 4 show any insider stock sales by Whittemore?

The Form 4 does not report any stock sales by Whittemore. It shows one grant of 5,000 common shares and a separate holding entry for 19,618 indirectly held shares, with no transactions coded as sales or dispositions during the reported period.