[SCHEDULE 13D/A] American Coastal Insurance Corporation SEC Filing

Rhea-AI Filing Summary

American Coastal Insurance Corporation reporting persons R. Daniel Peed and Peed FLP1, Ltd., L.L.P. beneficially own a combined 16,800,173 common shares, representing approximately 34.5% of the 48,746,722 shares outstanding. Mr. Peed directly holds 1,981,936 shares (~4.1%) and Peed FLP1 directly holds 11,876,563 shares (~24.4%), over which Mr. Peed shares voting and dispositive power. Mr. Peed also holds a voting proxy for 2,941,674 shares owned by Leah Anneberg Peed (~6.0%), increasing his ability to vote a larger block. This amendment updates prior Schedule 13D disclosures to reflect sales by Leah Anneberg Peed and clarifies ownership and voting arrangements.

Positive

• Aggregate beneficial ownership of 16,800,173 shares (~34.5%) is clearly disclosed, providing transparency on major holders
• Detailed breakdown of direct (1,981,936) and indirect/shared holdings (11,876,563) clarifies ownership structure
• Voting proxy for 2,941,674 shares is disclosed, documenting the reporting person's authority to vote additional shares

Negative

• High ownership concentration (34.5% by the reporting persons) may centralize control and limit influence of other shareholders
• Shared voting and dispositive power across entities increases governance centralization
• Sale activity by a related holder (Leah Anneberg Peed) required the amendment, indicating prior position changes among insiders

Insights

Financial Analyst

TL;DR: Reporting persons control a meaningful 34.5% stake in ACIC, concentrating economic and voting exposure.

The Schedule 13D/A discloses an aggregate beneficial ownership of 16,800,173 shares (34.5%) out of 48,746,722 shares outstanding. Mr. Peed's direct stake is 1,981,936 shares (4.1%), Peed FLP1 holds 11,876,563 shares (24.4%), and a voting proxy covers 2,941,674 shares (6.0%) owned by Leah Anneberg Peed. For investors, this concentration is material because it signals a single reporting group with substantial influence over corporate voting outcomes and strategic decisions. The amendment stems from disclosed share sales by Leah Anneberg Peed and primarily clarifies current voting and dispositive arrangements.

Corporate Governance Expert

TL;DR: Significant ownership plus a long-standing voting proxy centralizes governance influence and merits attention from minority shareholders.

The filing shows both direct and shared voting/dispositive power consolidated around Mr. Peed and Peed FLP1. The voting proxy covering nearly 2.94 million shares further increases Mr. Peed's effective voting control beyond his direct holdings. This configuration is governance-significant: it can shape board elections, corporate policies, or strategic transactions without indicating any specific intent. The amendment documents the ownership mix and updates prior disclosures following sales by another related holder, improving transparency on who can vote key blocks of shares.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13D

Under the Securities Exchange Act of 1934

(Amendment No. 2)

AMERICAN COASTAL INSURANCE Corp

(Name of Issuer)

Common Stock, $0.0001 par value

(Title of Class of Securities)

910710102

(CUSIP Number)

R. Daniel Peed
570 Carillon Parkway, Suite 100,
St. Petersburg, FL, 33716
7276330851

Eric T. Juergens
66 Hudson Blvd E,
New York, NY, 10001
2129006000

(Name, Address and Telephone Number of Person Authorized to Receive Notices and Communications)

06/30/2025

(Date of Event Which Requires Filing of This Statement)

If the filing person has previously filed a statement on Schedule 13G to report the acquisition that is the subject of this Schedule 13D, and is filing this schedule because of §§ 240.13d-1(e), 240.13d-1(f) or 240.13d-1(g), check the following box.

The information required on the remainder of this cover page shall not be deemed to be "filed" for the purpose of Section 18 of the Securities Exchange Act of 1934 ("Act") or otherwise subject to the liabilities of that section of the Act but shall be subject to all other provisions of the Act (however, see the Notes).

SCHEDULE 13D

CUSIP No. 910710102

1

Name of reporting person

Peed Daniel

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 1,981,936.00
8	Shared Voting Power 14,818,237.00
9	Sole Dispositive Power 1,981,936.00
10	Shared Dispositive Power 14,818,237.00

11

Aggregate amount beneficially owned by each reporting person

16,800,173.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

34.5 %

14

Type of Reporting Person (See Instructions)

IN

SCHEDULE 13D

CUSIP No. 910710102

1

Name of reporting person

Peed FLP1, Ltd, L.L.P.

2

Check the appropriate box if a member of a Group (See Instructions)

(a)
(b)

3

SEC use only

4

Source of funds (See Instructions)

OO

5

Check if disclosure of legal proceedings is required pursuant to Items 2(d) or 2(e)

6

Citizenship or place of organization

TEXAS

Number of Shares Beneficially Owned by Each Reporting Person With:

7	Sole Voting Power 0.00
8	Shared Voting Power 11,876,563.00
9	Sole Dispositive Power 0.00
10	Shared Dispositive Power 11,876,563.00

11

Aggregate amount beneficially owned by each reporting person

11,876,563.00

12

Check if the aggregate amount in Row (11) excludes certain shares (See Instructions)

13

Percent of class represented by amount in Row (11)

24.4 %

14

Type of Reporting Person (See Instructions)

PN

SCHEDULE 13D

Item 1.	Security and Issuer
(a)	Title of Class of Securities: Common Stock, $0.0001 par value
(b)	Name of Issuer: AMERICAN COASTAL INSURANCE Corp
(c)	Address of Issuer's Principal Executive Offices: 570 CARILLON PARKWAY, SUITE 100, SAINT PETERSBURG, FLORIDA , 33716.
Item 1 Comment: This Amendment No. 2 (the "Amendment") amends the Statement on Schedule 13D (as amended, the "Statement") initially filed on April 3, 2017 and amended on May 9, 2025 and relates to the shares of common stock ("Shares"), par value $0.0001 (the "Common Stock"), of American Coastal Insurance Corporation, a Delaware corporation (the "Issuer"). The Issuer's principal executive offices are located at 570 Carillon Parkway, Suite 100, St. Petersburg, FL 33716. This Amendment is being filed as a result of sales of Shares by Leah Anneberg Peed, as disclosed on Leah's Form 13G amendment filed on August 8, 2025, over which the reporting persons had a voting proxy.
Item 5.	Interest in Securities of the Issuer
(a)	Mr. Peed directly owns 1,981,936 Shares, representing 4.1% of the outstanding Shares. Peed LP1 directly owns 11,876,563 Shares, representing 24.4% of the outstanding Shares, which are indirectly owned by Mr. Peed. Additionally, Mr. Peed has the power to vote 2,941,674 shares held by Leah Anneberg Peed pursuant to a voting proxy dated August 2016, attached to the Statement as Exhibit 4, representing 6.0% of the outstanding Shares. The Reporting Persons beneficially own in aggregate 16,800,173 Shares. The Shares beneficially owned by Reporting Persons represent, in the aggregate, approximately 34.5% of the outstanding Shares. The percentages of beneficial ownership in this Schedule 13D are based on an aggregate of 48,746,722 Shares outstanding as of June 30, 2025, based on information disclosed in the Issuer's Form 10-Q filed on August 7, 2025.
(b)	Mr. Peed has the sole power to vote or direct the vote of and dispose or direct the disposition of the 1,981,936 Shares directly held by him. Peed FLP1 and Mr. Peed share the power to vote or direct the vote of and dispose or direct the disposition of the 11,876,563 Shares held directly by Peed FLP1 and held indirectly by Mr. Peed. Additionally, Mr. Peed has the power to vote 2,941,674 Shares held by Leah Anneberg Peed pursuant to a voting proxy dated August 2016 attached to the Statement as Exhibit 4, representing 6.0% of the outstanding Shares.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Peed Daniel

Signature:	R. Daniel Peed
Name/Title:	Reporting Persons
Date:	08/11/2025

Peed FLP1, Ltd, L.L.P.

Signature:	R. Daniel Peed
Name/Title:	Manager
Date:	08/11/2025

FAQ

How many ACIC shares do the reporting persons beneficially own?

The reporting persons beneficially own 16,800,173 shares, representing approximately 34.5% of the 48,746,722 shares outstanding.

What does R. Daniel Peed directly own and control?

Mr. Peed directly owns 1,981,936 shares (~4.1%) with sole voting and dispositive power over those shares; he also shares voting/dispositive power over 11,876,563 shares held by Peed FLP1.

What stake does Peed FLP1, Ltd, L.L.P. hold in ACIC?

Peed FLP1 directly holds 11,876,563 shares, representing approximately 24.4% of the class.

Does Mr. Peed have voting authority over other holders' shares?

Yes. Mr. Peed holds a voting proxy covering 2,941,674 shares owned by Leah Anneberg Peed, representing about 6.0% of the class.

Why was this Schedule 13D/A filed for ACIC?

The amendment updates prior Schedule 13D disclosures to reflect share sales by Leah Anneberg Peed and to clarify the reporting persons' ownership and voting arrangements.