Major holder reports 12.2% stake in American Integrity Insurance Group (AII)

Rhea-AI Filing Summary

American Integrity Insurance Group, Inc. disclosed that individual investor Robert C. Ritchie beneficially owns 2,394,946 shares of its common stock. This represents 12.2% of the company’s outstanding common shares as of a reference total of 19,576,804 shares.

Ritchie reports sole voting and sole dispositive power over all 2,394,946 shares, with no shared voting or investment authority. The ownership relates to common stock with CUSIP 026948109, and the filing reflects an ownership position as of an event dated December 31, 2025.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 1)

American Integrity Insurance Group, Inc.

(Name of Issuer)

Common Stock

(Title of Class of Securities)

026948109

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 026948109

1

Names of Reporting Persons

Robert C. Ritchie

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 2,394,946.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 2,394,946.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

2,394,946.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

12.2 %

12

Type of Reporting Person (See Instructions)

IN

Comment for Type of Reporting Person: The percent ownership calculated in Item 11 is based upon an aggregate of 19,576,804 shares of common stock, par value $0.001 per share, of American Integrity Insurance Group, Inc. reported as outstanding as of November 17, 2025 by American Integrity Insurance Group, Inc. in its registration statement on Form S-1 (File No. 333-291588).

SCHEDULE 13G

Item 1.
(a)	Name of issuer: American Integrity Insurance Group, Inc.
(b)	Address of issuer's principal executive offices: 5426 Bay Center Drive, Suite 600, Tampa, Florida 33609
Item 2.
(a)	Name of person filing: Robert C. Ritchie
(b)	Address or principal business office or, if none, residence: 5426 Bay Center Drive, Suite 600, Tampa, Florida 33609
(c)	Citizenship: United States
(d)	Title of class of securities: Common Stock
(e)	CUSIP No.: 026948109
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 2,394,946
(b)	Percent of class: 12.2%
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 2,394,946
	(ii) Shared power to vote or to direct the vote: 0
	(iii) Sole power to dispose or to direct the disposition of: 2,394,946
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.	Certifications:
	Not Applicable

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.

Robert C. Ritchie

Signature:	/s/ Robert C. Ritchie
Name/Title:	Robert C. Ritchie
Date:	02/17/2026

FAQ

What ownership stake does Robert C. Ritchie report in AII common stock?

Robert C. Ritchie reports beneficial ownership of 2,394,946 American Integrity Insurance Group shares, representing 12.2% of the common stock. This percentage is based on 19,576,804 shares outstanding as referenced from the company’s Form S-1 registration statement.

Does Robert C. Ritchie have sole voting power over his AII shares?

Yes. The filing states Ritchie has sole voting power over 2,394,946 shares of American Integrity Insurance Group common stock. He reports no shared voting power, indicating full control over how these shares are voted.

How many American Integrity Insurance Group shares does the 12.2% represent?

The 12.2% stake represents 2,394,946 shares of American Integrity Insurance Group common stock. The percentage is calculated against 19,576,804 shares reported outstanding in a Form S-1 registration statement dated November 17, 2025.

Does anyone else share dispositive power over Robert C. Ritchie’s AII holdings?

No. The filing reports sole dispositive power over 2,394,946 shares and zero shared dispositive power. This means Ritchie alone decides if and when these American Integrity Insurance Group shares are sold or otherwise transferred.

What type of SEC filing reports Robert C. Ritchie’s stake in AII?

The ownership is reported on an amended Schedule 13G/A. This form is used to disclose beneficial ownership of more than 5% of a company’s registered equity securities, in this case American Integrity Insurance Group common stock, CUSIP 026948109.

What is the date of the event triggering this AII Schedule 13G/A filing?

The event requiring this ownership report is dated December 31, 2025. That date marks when the ownership level or related circumstances met the threshold that requires disclosure on Schedule 13G/A for American Integrity Insurance Group common stock.