Universal Insurance (UVE) officer reports RSU grants, vesting and tax withholding

Rhea-AI Filing Summary

Universal Insurance Holdings disclosed equity transactions by its Principal Accounting Officer, reported as a single filer. The officer received and exercised restricted stock units (RSUs) that convert into shares of common stock, and had shares withheld to cover taxes.

On December 20, 2024, the officer was granted 4,000 RSUs, each representing one share of common stock, vesting in three approximately equal installments on each of the first three anniversaries of the grant date, subject to continued employment. On December 19, 2025, 1,667 RSUs were exercised at an exercise price of $0, and 406 shares of common stock were withheld at $33.89 per share to satisfy tax obligations. On December 20, 2025, 1,334 RSUs were exercised at $0, with 325 shares withheld at $34.63 per share for taxes.

After these transactions, the officer directly owned 7,312 shares of common stock and held remaining RSU awards as reported in the derivative securities table.

Insider Trade Summary

3,001 shares exercised/converted

Mixed 7 txns

Insider Ropiecki Gary Lloyd

Role Principal Accounting Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	325	$34.63	$11K
Exercise	Restricted Stock Units	1,334	$0.00	--
Exercise	Common Stock	1,334	$0.00	--
Exercise	Restricted Stock Units	1,667	$0.00	--
Exercise	Common Stock	1,667	$0.00	--
Tax Withholding	Common Stock	406	$33.89	$14K
Grant/Award	Restricted Stock Units	4,000	$0.00	--

Holdings After Transaction: Common Stock — 7,312 shares (Direct); Restricted Stock Units — 2,666 shares (Direct)

Footnotes (1)

1. These shares of Common Stock were withheld to satisfy the tax withholding obligation in connection with the vesting of 1,667 restricted stock units (RSUs) on December 19, 2025. These shares of Common Stock were withheld to satisfy the tax withholding obligation in connection with the vesting of 1,334 RSUs on December 20, 2025. Each RSU represents a contingent right to receive one share of common stock of Universal Insurance Holdings, Inc. The RSUs vest in three approximately equal installments on each of the first three anniversaries of the grant date (December 20, 2024), subject to continued employment by the reporting person through the applicable vesting dates. The RSUs vest in three approximately equal installments on each of the first three anniversaries of the grant date (December 19, 2023), subject to continued employment by the reporting person through the applicable vesting dates.

Form 4 Insider Transactions: What Each Field Means →

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^*

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)
12/20/2024

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	12/19/2025		M		1,667	A	$0	6,709	D
Common Stock	12/19/2025		F		406(1)	D	$33.89	6,303	D
Common Stock	12/20/2025		M		1,334	A	$0	7,637	D
Common Stock	12/22/2025		F		325(2)	D	$34.63	7,312	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
Restricted Stock Units	(3)	12/20/2024		A		4,000		(4)	(4)	Common Stock	4,000	$0	4,000	D
Restricted Stock Units	(3)	12/19/2025		M			1,667	(5)	(5)	Common Stock	1,667	$0	1,666	D
Restricted Stock Units	(3)	12/20/2025		M			1,334	(4)	(4)	Common Stock	1,334	$0	2,666	D

Explanation of Responses:

1. These shares of Common Stock were withheld to satisfy the tax withholding obligation in connection with the vesting of 1,667 restricted stock units (RSUs) on December 19, 2025.

2. These shares of Common Stock were withheld to satisfy the tax withholding obligation in connection with the vesting of 1,334 RSUs on December 20, 2025.

3. Each RSU represents a contingent right to receive one share of common stock of Universal Insurance Holdings, Inc.

4. The RSUs vest in three approximately equal installments on each of the first three anniversaries of the grant date (December 20, 2024), subject to continued employment by the reporting person through the applicable vesting dates.

5. The RSUs vest in three approximately equal installments on each of the first three anniversaries of the grant date (December 19, 2023), subject to continued employment by the reporting person through the applicable vesting dates.

Remarks:

	/s/ Gary Ropiecki	12/23/2025
	** 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.