Material Event (Form 8-K)

On June 3, 2026, Universal Insurance Holdings, Inc. (the "Company") entered into a First Supplemental Indenture (the "First Supplemental Indenture") with UMB Bank National Association, as trustee (the "Trustee"), amending the Indenture, dated as of November 23, 2021 (the "Base Indenture" and, as amended by the First Supplemental Indenture, the "Indenture"), between the Company and the Trustee, pursuant to which the Company's 5.625% Senior Unsecured Notes due 2026 (the "Notes") were issued.

The First Supplemental Indenture was entered into following the receipt of the consent of holders of a majority in aggregate principal amount of the outstanding Notes. The First Supplemental Indenture amends the Base Indenture to, among other things, (i) shorten the minimum notice period for redemption of the Notes from not less than thirty (30) days to not less than five (5) days prior to the applicable redemption date and (ii) permit the Company to issue conditional notices of redemption, conditioning a redemption on one or more conditions being satisfied, and allowing the Company to delay the redemption date or withdraw the notice if those conditions are not met (or are waived). These amendments are intended to provide the Company with greater operational flexibility in connection with a redemption of the Notes.

The foregoing description of the First Supplemental Indenture does not purport to be complete and is qualified in its entirety by reference to the full text of the First Supplemental Indenture, a copy of which is filed as Exhibit 4.1 to this Current Report on Form 8-K and is incorporated herein by reference.