Universal Insurance Holdings (UVE) awards 3,500 RSUs to Principal Accounting Officer

Rhea-AI Filing Summary

Universal Insurance Holdings, Inc. reported an equity compensation grant to an executive. On December 5, 2025, the company awarded 3,500 restricted stock units (RSUs) tied to its common stock to its Principal Accounting Officer, who is an officer of the company and the sole reporting person on this filing. Each RSU represents a contingent right to receive one share of Universal Insurance common stock.

The RSUs vest in three approximately equal installments on each of the first three anniversaries of the grant date, starting from December 5, 2025, and require the executive to remain employed through each vesting date. This filing is a standard Form 4 disclosure, showing ongoing use of stock-based compensation to align executive interests with shareholders over time.

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^*

Ropiecki Gary Lloyd

(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)

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

3. Date of Earliest Transaction (Month/Day/Year)
12/05/2025

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

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
Restricted Stock Units	(1)	12/05/2025		A		3,500		(2)	(2)	Common Stock	3,500	$0	3,500	D

Explanation of Responses:

1. Each restricted stock unit represents a contingent right to receive one share of common stock of Universal Insurance Holdings, Inc.

2. The restricted stock units vest in three approximately equal installments on each of the first three anniversaries of the grant date (December 5, 2025), subject to continued employment by the reporting person through the applicable vesting dates.

Remarks:

	/s/ Gary Ropiecki	12/09/2025
	** 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).
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.

FAQ

What insider transaction did Universal Insurance Holdings (UVE) report in this Form 4?

The company reported a grant of 3,500 restricted stock units tied to its common stock to its Principal Accounting Officer on December 5, 2025.

Who is the reporting person in the UVE Form 4 filing?

The reporting person is an officer of Universal Insurance Holdings, Inc., serving as the Principal Accounting Officer and filing individually.

How do the 3,500 restricted stock units for UVE’s officer vest?

The 3,500 restricted stock units vest in three approximately equal installments on each of the first three anniversaries of the December 5, 2025 grant date, subject to continued employment.

What does each UVE restricted stock unit represent in this grant?

Each restricted stock unit represents a contingent right to receive one share of Universal Insurance Holdings, Inc. common stock upon vesting.

Is the UVE Form 4 filing a joint filing by multiple insiders?

No. The Form 4 is indicated as being filed by one reporting person, not by more than one reporting person.

Does this UVE Form 4 involve derivative securities?

Yes. The filing reports restricted stock units in Table II, which are derivative securities that can settle in shares of common stock upon vesting.