Q4-2021 Earnings Report

Executive Summary Q4-2021 Results . Core loss of -$1.0m (-$0.02 per share) compared favorably to -$58.1m (-$1.35 per share) last year due to lower net retained losses from catastrophe events. Stockholders' equity attributable to UIHC at 12.31.2021 was $312.4m ($7.20 per share) with tangible book value per share of $5.10. Risk based capital projected to be at or above 300% for all statutory carriers as of 12.31.2021. Other Highlights • Entry into a renewal rights and quota share reinsurance agreement to transfer all risk of loss for the Southeast region. • Successful renewal of All Other Perils (AOP) catastrophe reinsurance program with retention unchanged at $15m. • Exposure reduction and renewal rate increases continued to trend favorably producing more premium relative to risk. 3

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