Investor Presentaiton

2023-24 Catastrophe Reinsurance - IIC IIC maintained its $3m occurrence retention and UPC Re did not participate on IIC's program. $85.0M $35.0M $10.0M $3.0M Layer 3: $50M xs $35M Nil Layer 2: $25M xs $10M 1@100% Layer 1: $7M xs $3M 1@100% $3.0M Retention Covered Perils: All Perils Covered Territory: New York only Retention: $3 million Program provides $82.0M of private market occurrence-based limit which protects the Company to the 140.8yr return time (AIR LTWDS) Non-Cascading static layers with reinstatements on Layers 1 & 2 Reinstatements are 1@100 on Layers 1 & 2 $32m of reinstatable limit Reinstatement premium protection was purchased on Layers 1 & 2 American Coastal INSURANCE CORPORATION™ A 10

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