American Coastal (NASDAQ: ACIC) officer granted 717 RSU shares

Rhea-AI Filing Summary

American Coastal Insurance Corp. Chief Compliance/Risk Officer James Andy Gray reported an acquisition of derivative securities in the form of restricted stock units. On 01/09/2026, he acquired 717 restricted stock units at $11.37 per unit, each representing a conditional right to receive one share of the company’s common stock. Following this grant, he beneficially owned 11,531 derivative securities directly. Related dividend equivalent units will vest proportionately with the underlying restricted stock units.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Gray James Andy

Role Chief Compliance/Risk Officer

Type	Security	Shares	Price	Value
Grant/Award	Restricted Stock Units	717	$11.37	$8K

Holdings After Transaction: Restricted Stock Units — 11,531 shares (Direct)

Footnotes (2)

1. F1. Each stock unit represents a conditional right to receive one share of the company's common stock.
2. F2. The dividend equivalent units will vest proportionately with the underlying restricted stock units to which they relate.

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Form 4 Insider Transactions: What Each Field Means →

Accepted by SEC EDGAR 01/12/2026 - 04:21 PM Learn about SEC filing dates

FAQ

What insider transaction did AMERICAN COASTAL INSURANCE Corp (ACIC) report on this Form 4?

The Form 4 reports that Chief Compliance/Risk Officer James Andy Gray acquired 717 restricted stock units of AMERICAN COASTAL INSURANCE Corp on 01/09/2026.

How many restricted stock units did ACIC officer James Gray receive and at what price?

James Andy Gray received 717 restricted stock units at a transaction price of $11.37 per unit.

How many derivative securities does James Gray beneficially own in ACIC after this transaction?

After the reported acquisition, James Andy Gray beneficially owns 11,531 derivative securities (restricted stock units) directly.

What does each restricted stock unit reported by ACIC’s officer represent?

Each stock unit represents a conditional right to receive one share of AMERICAN COASTAL INSURANCE Corp’s common stock.

How do the dividend equivalent units related to ACIC’s restricted stock units vest?

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

Is the ACIC Form 4 filed by one reporting person or a group?

The Form 4 is indicated as being filed by one reporting person, Chief Compliance/Risk Officer James Andy Gray.

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^*

Gray James Andy

(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 Compliance/Risk 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 Units	(1)	01/09/2026		A		717		(2)	(2)	Common Stock	717	$11.37	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 James Gray	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.