[Form 4] UNIVERSAL INSURANCE HLDG, INC. Insider Trading Activity

Rhea-AI Filing Summary

Universal Insurance Holdings, Inc. (UVE) filed a Form 4 for director Marlene Gordon covering a single transaction on 28 Jul 2025.

• Security granted: 2,824 restricted common shares at $0 cost.
• Post-grant ownership: 25,061 UVE shares held directly.
• Vesting schedule: the restricted shares fully vest on 28 Jul 2026.

No derivative securities were involved, and the filing reports only one insider. Because the shares were awarded rather than purchased on the open market, the transaction mainly reflects compensation rather than incremental insider buying pressure. The size of the award is modest relative to UVE’s public float, but it modestly increases insider ownership and may modestly align the director’s incentives with shareholders.

Positive

• Increased insider ownership: Director now holds 25,061 shares, marginally strengthening management-shareholder alignment.

Negative

• No open-market purchase: Shares were granted at $0, so the filing does not signal personal capital commitment.

Insights

Corporate Governance Analyst

TL;DR: Modest director stock grant; aligns incentives but not a strong bullish signal.

The grant of 2,824 restricted shares to Director Marlene Gordon boosts her stake to roughly 25 k shares. Because the award is cost-free and vests over one year, it functions as routine equity compensation rather than a discretionary purchase. While insider ownership rises, the absolute dollar value is likely immaterial to UVE’s market cap, so market impact should be limited. Investors may view the vesting schedule as a standard retention mechanism. Overall governance profile unchanged.

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

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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^*

Gordon Marlene

(Last) (First) (Middle)

1110 W. COMMERCIAL BLVD.

SUITE 100

(Street)

FORT LAUDERDALE FL 33309

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
UNIVERSAL INSURANCE HOLDINGS, INC. [ UVE ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
07/28/2025

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
Common Stock	07/28/2025		A		2,824(1)	A	$0	25,061	D

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. These restricted shares will vest on July 28, 2026.

Remarks:

	/s/ Marlene Gordon	07/30/2025
	** 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).
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