Universal Insurance Holdings (UVE) CFO logs RSU tax-withholding share disposal

Rhea-AI Filing Summary

Universal Insurance Holdings, Inc. reported an insider equity transaction by its Chief Financial Officer, Frank Wilcox. On 12/16/2025, 812 shares of common stock were disposed of at a price of $33.19 per share under transaction code "F," which indicates shares were withheld to cover taxes. The note explains these shares were withheld to satisfy tax obligations related to the vesting of 3,333 restricted stock units on that date.

Following this tax-withholding transaction, Wilcox beneficially owned 132,620 shares of Universal Insurance Holdings common stock in direct ownership. The filing reflects an administrative equity compensation event rather than an open-market trade.

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^*

Wilcox Frank

(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)
	CFO

3. Date of Earliest Transaction (Month/Day/Year)
12/16/2025

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	12/16/2025		F		812(1)	D	$33.19	132,620	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 shares of Common Stock were withheld to satisfy the tax withholding obligation in connection with the vesting of 3,333 RSUs on December 16, 2025.

Remarks:

	/s/ Frank Wilcox	12/18/2025
	** 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).
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FAQ

What insider transaction did Universal Insurance Holdings (UVE) disclose?

The company disclosed that its CFO, Frank Wilcox, had 812 shares of common stock withheld on 12/16/2025 to cover tax obligations related to equity compensation vesting.

Who is the insider involved in the latest Universal Insurance Holdings (UVE) filing?

The insider is Frank Wilcox, the Chief Financial Officer (CFO) of Universal Insurance Holdings, Inc.

How many Universal Insurance Holdings (UVE) shares were withheld and at what price?

A total of 812 shares of common stock were disposed of at a price of $33.19 per share in a tax-withholding transaction.

Why were shares of Universal Insurance Holdings (UVE) disposed of in this insider transaction?

The 812 shares were withheld to satisfy tax withholding obligations arising from the vesting of 3,333 restricted stock units (RSUs) on December 16, 2025.

How many Universal Insurance Holdings (UVE) shares does the CFO own after this transaction?

After the reported transaction, CFO Frank Wilcox beneficially owned 132,620 shares of Universal Insurance Holdings common stock in direct ownership.

Was the Universal Insurance Holdings (UVE) insider transaction a direct market sale?

No. The filing identifies the transaction with code "F," indicating shares were withheld to pay taxes in connection with RSU vesting, not a discretionary open-market sale.