Universal Insurance Holdings (UVE) chair uses 23,610 shares to cover taxes

Rhea-AI Filing Summary

Universal Insurance Holdings, Inc. Executive Chairman Sean P. Downes had 23,610 shares of common stock withheld on July 28, 2026 to satisfy a tax withholding obligation related to vesting of restricted shares at $44.22 per share. After this, he directly holds 1,124,645 shares, with additional indirect holdings of 48,000 shares held by children and 2,000 shares held by his spouse.

Insider Trade Summary

Net Seller: 23,610 shares

Net Sell 3 txns

Insider DOWNES SEAN P

Role Executive Chairman

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock F1	23,610	$44.22	$1.04M
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 1,124,645 shares (Direct); Common Stock — 48,000 shares (Indirect, By Children); Common Stock — 2,000 shares (Indirect, By Spouse)

Footnotes (1)

1. F1. These shares of Common Stock were withheld to satisfy the tax withholding obligation in connection with the vesting of restricted shares on July 28, 2026.

Key Figures

Shares withheld for taxes: 23,610 shares Withholding price: $44.22 per share Direct holdings after transaction: 1,124,645 shares +2 more

5 metrics

Shares withheld for taxes 23,610 shares Common stock withheld to satisfy tax obligation on vesting of restricted shares on July 28, 2026

Withholding price $44.22 per share Value used for shares withheld in the tax-withholding transaction

Direct holdings after transaction 1,124,645 shares Sean P. Downes’ direct UVE common stock ownership following the July 28, 2026 withholding

Indirect holdings by children 48,000 shares Indirectly owned UVE common stock reported as held by children

Indirect holdings by spouse 2,000 shares Indirectly owned UVE common stock reported as held by spouse

Key Terms

restricted shares, tax withholding obligation, indirect ownership

3 terms

restricted shares financial

"in connection with the vesting of restricted shares on July 28, 2026"

Restricted shares are company stock that cannot be sold or transferred immediately because they are subject to legal or contractual limits, such as a required holding period or performance conditions. They matter to investors because these locked-up shares can affect a company’s available stock for trading, future dilution, and insider incentives—imagine a gift that can’t be cashed until certain conditions are met, which changes when and how much supply can suddenly enter the market.

tax withholding obligation financial

"were withheld to satisfy the tax withholding obligation in connection"

indirect ownership financial

"Indirect ownership reported as By Children and By Spouse"

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Form 4 Insider Transactions: What Each Field Means →

Available on EDGAR 07/30/2026 - 04:27 PM Accepted by SEC EDGAR 07/30/2026 - 04:26 PM Learn about SEC filing dates

FAQ

What insider transaction did Universal Insurance Holdings (UVE) report for Sean P. Downes?

Sean P. Downes had 23,610 shares of Universal Insurance Holdings common stock withheld on July 28, 2026 to cover a tax withholding obligation from vesting restricted shares, rather than executing an open-market sale.

How many UVE shares were withheld for taxes and at what price?

A total of 23,610 shares of Universal Insurance Holdings common stock were withheld at $44.22 per share. These shares covered the tax liability associated with the vesting of restricted shares on July 28, 2026.

What is Sean P. Downes’ direct UVE share ownership after the July 28, 2026 transaction?

After the tax-withholding transaction, Sean P. Downes directly owns 1,124,645 shares of Universal Insurance Holdings common stock. This figure reflects his post-withholding direct holdings, separate from any shares attributed to family members.

What indirect Universal Insurance Holdings (UVE) shares are attributed to Sean P. Downes’ family?

In addition to his direct holdings, there are 48,000 shares of Universal Insurance Holdings common stock held by children and 2,000 shares held by his spouse, reported as indirect ownership interests.

Was the UVE insider tax-withholding transaction made under a Rule 10b5-1 trading plan?

No. The report indicates the Rule 10b5-1 plan checkbox was not selected, so this tax-withholding event was not designated as occurring under a pre-arranged Rule 10b5-1 trading plan.

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^*

DOWNES SEAN P

(Last) (First) (Middle)

1110 WEST COMMERCIAL BOULEVARD

SUITE 100

(Street)

FORT LAUDERDALE FLORIDA 33309

(City) (State) (Zip)

UNITED STATES

(Country)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
07/28/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

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	07/28/2026		F(1)		23,610	D	$44.22	1,124,645	D
Common Stock								48,000	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. These shares of Common Stock were withheld to satisfy the tax withholding obligation in connection with the vesting of restricted shares on July 28, 2026.

Remarks:

	/s/ Sean P. Downes	07/30/2026
	** 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.
* Form 4: SEC 1474 (03-26)