---
schema_version: "secwatch.filing_event.v1"
accession: "0000891166-26-000053"
form_type: "8-K"
ticker: "UVE"
cik: "0000891166"
company_name: "UNIVERSAL INSURANCE HOLDINGS, INC."
filed_at: "2026-05-28T20:16:49+00:00"
generated_at: "2026-05-28T20:23:52.141189+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.63
calibrated_materiality_score: 0.63
confidence: "high"
source: SEC EDGAR
---

# Universal Insurance subsidiaries complete 2026-2027 reinsurance program with $2.623B tower, $45M retention

## Summary
- Combined first-event tower increased ~$50M to $2.623 billion; first-event statutory retention unchanged at $45M.
- Secured $352M multi-year catastrophe capacity extending through 2027-2028; $277M sits below FHCF layer.
- Largest private reinsurers maintain AM Best rating of A or higher (Nephila/Markel, RenaissanceRe, Munich Re, etc.).
- Florida represents less than 50% of total insured value as of March 31, 2026.
- Market moderating after benign 2025 Atlantic hurricane season and Florida property insurance reforms.

## SEC filing metadata
- accession: 0000891166-26-000053
- form_type: 8-K
- ticker: UVE
- cik: 0000891166
- company_name: UNIVERSAL INSURANCE HOLDINGS, INC.
- filed_at: 2026-05-28T20:16:49+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.63
- calibrated_materiality_score: 0.63
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/891166/000089116626000053/0000891166-26-000053-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/891166/000089116626000053/uve-20260528.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000891166-26-000053
- JSON: https://secwatch.observer/filing/0000891166-26-000053.json
- Plain text: https://secwatch.observer/filing/0000891166-26-000053.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.