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

Rhea-AI Filing Summary

Sean P. Downes, Executive Chairman and Director of Universal Insurance Holdings, Inc. (UVE), reported an insider sale on 09/04/2025. He disposed of 20,000 shares of common stock in multiple transactions at a weighted-average price of $25.3482, with individual trade prices ranging from $25.07 to $25.55.

After the sale Mr. Downes directly holds 1,303,512 shares. He also reports indirect holdings of 18,000 shares through his children and 2,000 shares through his spouse, implying total reported beneficial ownership of 1,323,512 shares when combining direct and indirect holdings disclosed on this Form 4.

Insights

Financial Analyst

TL;DR: Executive sold a small portion of holdings; transaction is routine disclosure with limited immediate financial impact.

The reported sale of 20,000 shares at a weighted-average price of $25.3482 represents a modest reduction relative to the reported direct holding of 1,303,512 shares. The filing discloses the price range ($25.07–$25.55) and affirms compliance with Section 16 reporting. There is no derivative activity reported and no change to indirect holdings beyond the sale. Based solely on the filing, this appears as a routine liquidity event by a senior insider rather than a material corporate development.

Corporate Governance Expert

TL;DR: Insider sale is disclosed properly but raises standard governance questions about insider liquidity timing.

The Form 4 shows transparent reporting of the sale and includes an explanatory footnote that the price is a weighted average across multiple transactions. The filing does not indicate a 10b5-1 plan or other prearranged plan; no such election box was checked in the provided content. While the transaction itself is small relative to total beneficial ownership, governance reviewers typically note insider sales for timing and signaling; however, this single disclosure alone does not demonstrate a governance breach or material concern.

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
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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^*

DOWNES SEAN P

(Last) (First) (Middle)

1110 WEST COMMERCIAL BOULEVARD

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
X	Officer (give title below)		Other (specify below)
	Executive Chairman

3. Date of Earliest Transaction (Month/Day/Year)
09/04/2025

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	09/04/2025		S		20,000	D	$25.3482(1)	1,303,512	D
Common Stock								18,000	I	By Children
Common Stock								2,000	I	By Spouse

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. The price reported in Column 4 is a weighted average price. The shares were sold in multiple transactions at prices ranging from $25.07 to $25.55, inclusive. The reporting person undertakes to provide to Universal Insurance Holdings, Inc., any security holder of Universal Insurance Holdings Inc., or the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in footnote (1).

Remarks:

	/s/ Sean P. Downes	09/05/2025
	** 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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