Form 8-K

8-K — American Integrity Insurance Group, Inc.

Accession: 0002007587-26-000085

Filed: 2026-08-11

Period: 2026-08-11

CIK: 0002007587

SIC: 6331 (FIRE, MARINE & CASUALTY INSURANCE)

Item: Results of Operations and Financial Condition

Item: Regulation FD Disclosure

Documents

8-K — aii-20260811.htm (Primary)

EX-99.1 (q2-2026earningsrelease.htm)

EX-99.2 (aii-2q26investorpresenta.htm)

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8-K

8-K (Primary)

Filename: aii-20260811.htm · Sequence: 1

aii-20260811

false000200758700020075872026-08-112026-08-11

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

__________________________

FORM 8-K

__________________________

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) August 11, 2026

__________________________

American Integrity Insurance Group, Inc.

(Exact name of registrant as specified in its charter)

__________________________

Delaware 001-42634 33-2925846

(State or other jurisdiction

of incorporation) (Commission

File Number) (IRS Employer

Identification No.)

3000 Bayport Drive, Suite 500

Tampa, Florida

33607

(Address of principal executive offices) (Zip Code)

Registrant’s telephone number, including area code: (813) 880-7000

Not Applicable

(Former name or former address, if changed since last report)

__________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class Trading

Symbol(s) Name of each exchange

on which registered

Common Stock, $0.001 par value AII New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company x

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o

Item 2.02 Results of Operations and Financial Condition.

On August 11, 2026, American Integrity Insurance Group, Inc. (the “Company”) issued a press release announcing its financial results for the quarter ended June 30, 2026. A copy of the Company’s press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference herein.

The information in this Current Report on Form 8-K, including Exhibit 99.1 furnished hereto, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, except as expressly set forth in such filing.

Item 7.01 Regulation FD Disclosure.

The Company is furnishing a copy of an investor presentation (the “Presentation”) that the Company intends to use, in whole or in part, in one or more meetings with investors or analysts. A copy of the Presentation is furnished as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated by reference herein.

The information contained in the Presentation is summary information that is intended to be considered in the context of the Company’s Securities and Exchange Commission filings and other public announcements that the Company may make, by press release or otherwise, from time to time. The Company undertakes no duty or obligation to publicly update or revise the information contained in the Presentation, although it may do so from time to time as its management believes is warranted.

The information in this Current Report on Form 8-K, including Exhibit 99.2 furnished hereto, shall not be deemed “filed” for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing under the Securities Act or the Exchange Act, except as expressly set forth in such filing.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit No. Description

99.1

Press Release, issued August 11, 2026 (furnished pursuant to Item 2.02).

99.2

Investor Presentation (furnished pursuant to Item 7.01).

104 Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

AMERICAN INTEGRITY INSURANCE GROUP, INC.

Date: August 11, 2026 By: /s/ Robert Ritchie

Name: Robert Ritchie

Title: Chief Executive Officer

EX-99.1

EX-99.1

Filename: q2-2026earningsrelease.htm · Sequence: 2

Q2-2026 Earnings Release

American Integrity Insurance Group, Inc. Reports Second Quarter 2026 Results

43K voluntary new business policies sold in the quarter, a record for American Integrity, up 54% vs. the second

quarter of 2025 and 44% vs. the first quarter of 2026

$46.4 million of income before income taxes, a new quarterly record for American Integrity

Gross premiums written grew 14% year-over-year to $327 million during the quarter

Successfully renewed 2026-2027 catastrophe excess of loss reinsurance program on June 1, 2026 with a risk-

adjusted rate decrease at the upper end of 15-20% declines

TAMPA, Fla., August 11, 2026 — American Integrity Insurance Group, Inc. (“American Integrity,” “we,” “us,” “our”

or the “Company”) (NYSE: AII), reported second quarter 2026 results.

Robert Ritchie, Chief Executive Officer, commented, “We produced record voluntary new business policies and pre-

tax earnings in the second quarter, which reflect continued momentum across our business and strong execution against

our strategic priorities. During the quarter, we saw meaningful acceleration across each of our key growth initiatives,

including the Tri-County region of Florida, middle-aged homes and our expansion states.”

Mr. Ritchie continued, “We also successfully completed our June 1 reinsurance renewal, improving our overall risk

profile while benefiting from meaningful risk adjusted reductions in reinsurance costs. Combined with the continued

benefits of Florida’s legislative reforms, we believe we are operating from a position of considerable strength and

momentum and remain well positioned to deliver profitable growth and long-term value for our stockholders.”

Second Quarter 2026 Highlights:

•Net income of $34.1 million, or $1.74 per diluted share. Adjusted net income1 of $34.9 million, or $1.78 per

diluted share

•Book value per share of $18.86, up 22.3% over June 30, 2025 and up 10.1% over March 31, 2026

•Return on equity of 38.7% and Adjusted return on equity1 of 39.6%

•Policies in-force and in-force premium were 461,714 and $1,029 million, respectively, up 15.7% and 11.7%,

respectively, over June 30, 2025

•Wrote 126,308 new and renewal policies in the voluntary market, an increase of 27.9% compared to the second

quarter of 2025

•7,636 voluntary new business policies in Tri-County region of Florida compared to 185 in the second

quarter of 2025, a 41x increase

•9,062 voluntary new business policies in our middle-aged home category compared to 437 in the second

quarter of 2025, a 21x increase

•Stable premium per policy year-over-year across our overall book

•Net premiums earned of $104.7 million, an increase of 58.2% compared to the second quarter of 2025

•Combined ratio of 63.4% compared to 72.9% in the second quarter of 2025

•Assumed just 81 policies, as we determined that fewer policies from Citizens met our underwriting and

targeted profitability standards

•Renewed the Company’s catastrophe excess of loss (“CAT XOL”) reinsurance program effective June 1, 2026,

providing $3 billion of total third-party catastrophe coverage at a total estimated cost of $430 - $440 million

•The Company benefitted from the upper end of 15-20% CAT XOL risk-adjusted rate decreases, while

retaining its 1-in-130 year probable maximum loss level and reducing its aggregate retention from $95 million

to $75 million

1 Adjusted net income, adjusted earnings per share and adjusted return on equity are non-GAAP financial measures.

Please see the discussion below under the heading “Reconciliation of Non-GAAP Financial Measures” for additional

information concerning these and other non-GAAP financial measures.

Second Quarter 2026 Commentary

•Gross premiums written in the second quarter of 2026 increased by $39.6 million to $326.6 million from

$287.0 million in the second quarter of 2025, primarily driven by growth in our voluntary market writings.

•Gross premiums earned in the second quarter of 2026 increased by $18.6 million to $242.3 million from

$223.7 million in the second quarter of 2025.

•Ceded premiums earned in the second quarter of 2026 decreased by $20.0 million to $137.6 million compared

to $157.6 million in the second quarter of 2025, primarily due to the reduction in our non-catastrophe quota

share reinsurance arrangement.

•Net premiums earned in the second quarter of 2026 increased by $38.5 million to $104.7 million from $66.2

million in the second quarter of 2025.

•Net investment income in the second quarter of 2026 increased $1.4 million to $6.2 million compared to $4.8

million in the second quarter of 2025, primarily due to the increase in our invested assets, driven by the

increased in-force premiums and the proceeds from our IPO.

•Losses and loss adjustment expenses (“LAE”) for the second quarter of 2026 increased $12.0 million to $33.2

million compared to $21.2 million for the second quarter of 2025. The loss and loss adjustment expenses ratio

was 30.6% for the second quarter of 2026 which was consistent with the second quarter of 2025 of 30.6%. The

net underlying loss and loss adjustment expense ratio was 30.6% for the second quarter of 2026, down from

33.1% for the second quarter of 2025.

•Policy acquisition expenses and general and administrative expenses in the second quarter of 2026 were $17.4

million and $18.2 million, respectively, compared to $6.3 million and $22.9 million, respectively, in the second

quarter of 2025. Period over period changes were due to record setting new business production in the second

quarter of 2026, the absence of one-time IPO-related expenses, the reduction in our non-catastrophe quota

share reinsurance arrangement from 40% to 25% on January 1, 2026 and the benefit of Citizens take-outs in

2025.

•The expense ratio was 32.8% for the second quarter of 2026 compared to 42.3% for the second quarter of

2025. The combined ratio was 63.4% for the second quarter of 2026 compared to 72.9% for the second quarter

of 2025.

2 Net underlying loss and loss adjustment expense ratio is a non-GAAP financial measure. Please see the discussion below

under the heading “Reconciliation of Non-GAAP Financial Measures” for additional information concerning this and

other non-GAAP financial measures.

Results of Operations

Three Months Ended June 30,

($ in thousands, except per share data)

2026

2025

$ Change

% Change

Gross premiums written

$

326,592

$

286,995

$

39,597

13.8%

Change in gross unearned premiums

(84,341)

(63,255)

(21,086)

33.3%

Gross premiums earned

242,251

223,740

18,511

8.3%

Ceded premiums earned

(137,555)

(157,571)

20,016

(12.7)%

Net premiums earned

104,696

66,169

38,527

58.2%

Policy fees

3,711

2,967

744

25.1%

Net investment income

6,250

4,780

1,470

30.8%

Net realized gains (losses) on investments

(2)

485

(487)

(100.4)%

Other income

516

98

418

426.5%

Total Revenues

115,171

74,499

40,672

54.6%

Losses and loss adjustment expenses

33,151

21,189

11,962

56.5%

Policy acquisition expenses

17,410

6,281

11,129

177.2%

General and administrative expenses

18,186

22,932

(4,746)

(20.7)%

Total Expenses

68,747

50,402

18,345

36.4%

Income before taxes

46,424

24,097

22,327

92.7%

Income tax (benefit) expense

12,278

(3,397)

15,675

(461.4)%

Net Income

$

34,146

$

27,494

$

6,652

24.2%

Book value per share(1)

$

18.86

$

15.42

$

3.44

22.3%

Loss ratio(2)

30.6%

30.6%

Expense ratio(3)

32.8%

42.3%

Combined ratio(4)

63.4%

72.9%

Return on equity(5)

38.7%

45.1%

(1)Book value per share is the ratio of shareholders’ equity to shares outstanding, each as of the balance sheet date.

(2)Loss ratio is the ratio of losses and LAE to net premiums earned plus policy fees.

(3)Expense ratio is the ratio of policy acquisition expenses and general and administrative expenses to net premiums earned

plus policy fees.

(4)Combined ratio is defined as the sum of the loss ratio and the expense ratio.

(5)Return on equity is defined as net income, divided by the average beginning and ending shareholders’ equity during the

applicable period. This metric is annualized for interim periods by multiplying the applicable ratio in order to present

return on equity consistently.

Six Months Ended June 30,

($ in thousands, except per share data)

2026

2025

$ Change

% Change

Gross premiums written

$

546,596

$

499,145

$

47,451

9.5%

Change in gross unearned premiums

(73,573)

(65,249)

(8,324)

12.8%

Gross premiums earned

473,023

433,896

39,127

9.0%

Ceded premiums earned

(286,119)

(302,325)

16,206

(5.4)%

Net premiums earned

186,904

131,571

55,333

42.1%

Policy fees

6,456

5,171

1,285

24.9%

Net investment income

11,902

8,883

3,019

34.0%

Net realized gains (losses) on investments

51

501

(450)

(89.8)%

Other income

789

259

530

204.6%

Total Revenues

206,102

146,385

59,717

40.8%

Losses and loss adjustment expenses

64,876

42,051

22,825

54.3%

Policy acquisition expenses

33,395

9,388

24,007

255.7%

General and administrative expenses

34,152

27,940

6,212

22.2%

Total Expenses

132,423

79,379

53,044

66.8%

Income before taxes

73,679

67,006

6,673

10.0%

Income tax expense

19,623

1,416

18,207

1285.8%

Net Income

$

54,056

$

65,590

$

(11,534)

(17.6)%

Book value per share(1)

$

18.86

$

15.42

$

3.44

22.3%

Loss ratio(2)

33.6%

30.8%

Expense ratio(3)

34.9%

27.3%

Combined ratio(4)

68.5%

58.1%

Return on equity(5)

30.6%

56.5%

(1)Book value per share is the ratio of shareholders’ equity to shares outstanding, each as of the balance sheet date.

(2)Loss ratio is the ratio of losses and LAE to net premiums earned plus policy fees.

(3)Expense ratio is the ratio of policy acquisition expenses and general and administrative expenses to net premiums earned

plus policy fees.

(4)Combined ratio is defined as the sum of the loss ratio and the expense ratio.

(5)Return on equity is defined as net income, divided by the average beginning and ending shareholders’ equity during the

applicable period. This metric is annualized for interim periods by multiplying the applicable ratio in order to present

return on equity consistently.

Policies in-force and in-force premium

Policies in-force represents the number of active insurance policies with coverage in effect as of the end of the

period referenced. In-force premium represents the annual premium for active insurance policies with coverage

in effect as of the end of the period referenced.

June 30,

($ in thousands)

2026

2025

% Change

Policies In-Force

461,714

399,138

15.7%

In-Force Premium

$

1,029,387

$

921,252

11.7%

Policies in-force were 461,714 as of June 30, 2026, an increase of 15.7% compared to policies in-force of

399,138 as of June 30, 2025, and an increase of 5.6% compared to policies in-force of 437,308 as of March 31,

2026. The increase in our policies in-force was primarily due to new policies written through the voluntary

market and the 2025 Citizens take-outs.

Reconciliation of Non-GAAP Financial Measures:

Adjusted net income and adjusted earnings per share

Adjusted net income is a non-GAAP financial measure defined as net income excluding net realized gains or

losses on investments, stock compensation expense incurred in connection with our IPO, and certain non-

recurring or non-cash expenses, including those incurred in connection with our IPO, net of tax. We use adjusted

net income as an internal performance measure in the management of our operations because we believe it gives

us and users of our financial information useful insight into our results of operations and our underlying business

performance excluding the impact of realized gains and losses on the sale of securities, and one time items, which

we do not view as core to the underlying trends in our business. Adjusted net income should not be viewed as a

substitute for net income calculated in accordance with GAAP, and other companies may define adjusted net

income differently.

Net income increased $6.6 million, or 24.2%, to $34.1 million for the three months ended June 30, 2026 from

$27.5 million for the three months ended June 30, 2025. Adjusted net income increased by $3.6 million, or 11.4%,

to $34.9 million from $31.3 million for the three months ended June 30, 2025.

Adjusted earnings per share is a non-GAAP measure, which is calculated as adjusted net income available to

common shareholders divided by weighted average diluted common shares outstanding. Management believes

this metric is meaningful, as it allows investors to evaluate underlying profitability and enhances comparability

across periods by excluding items that are heavily impacted by investment market fluctuations and other

economic factors and are not indicative of operating trends.

Adjusted net income and adjusted earnings per share for the three and six months ended June 30, 2026 and 2025

reconcile to net income and earnings per share, respectively, as follows:

Three Months Ended June 30,

Six Months Ended June 30,

($ in thousands, except per share data)

2026

2025

2026

2025

Net Income

$34,146

$27,494

$54,056

$65,590

Add:

Stock compensation(1)(5)

—

10,433

—

10,433

Termination of MSA(1)

—

3,000

—

3,000

One-time IPO expenses(1)

—

1,654

—

1,654

One-time bonus expenses(1)

—

1,387

—

1,387

Executive transition cost(1)(2)

920

—

920

—

Less:

Net realized gains (losses) on investments

(2)

485

51

501

Change in tax status(3)

—

9,722

—

9,722

Tax effect(4)(5)

194

2,467

183

2,464

Adjusted net income

$34,874

$31,294

$54,742

$69,377

Adjusted income allocated to participating

securities

—

—

—

2,190

Numerator:

Adjusted net income available for common

shareholders

$34,874

$31,294

$54,742

$67,187

Denominator:

Weighted average common shares outstanding:

Basic

19,586,994

16,962,075

19,583,036

15,152,075

Diluted

19,590,448

16,962,075

19,584,870

15,152,075

Earnings per share:

Basic

$1.74

$1.62

$2.76

$4.18

Diluted

$1.74

$1.62

$2.76

$4.18

Adjusted earnings per share:

Basic

$1.78

$1.84

$2.80

$4.43

Diluted

$1.78

$1.84

$2.80

$4.43

(1)Material non-recurring items that we do not expect to continue in the future and believe are not reflective of our ongoing

operations and our performance.

(2)Costs associated with the change in a key executive leadership position.

(3)The change in tax status of the Company from a non-taxable entity to a taxable corporation incurred in connection with

the IPO resulted in recognition of a deferred income tax benefit.

(4)We included the tax impact of all adjustments to adjusted net income using the U.S. federal statutory corporate tax rate of

21%. While the Company’s actual effective tax rates for the three months ended June 30, 2026 and 2025 were 26.4% and

(14.1)%, respectively, and for the six months ended June 30, 2026 and 2025 were 26.6% and 2.1%, respectively, the use

of the statutory rate provides a consistent and simplified approach for comparability. This approach is applied uniformly,

including to items that may be partially or fully nondeductible for tax purposes. The tax effect row is presented exclusive

of the change in tax status impact.

(5)Stock-based compensation expense recognized of $10,433 for the three and six months ended June 30, 2025,

approximately $4,241 was nondeductible for U.S. federal income tax purposes.

Adjusted return on equity

Adjusted return on equity is a non-GAAP financial measure defined as adjusted net income divided by the

average of beginning and ending shareholders’ equity during the applicable period and is annualized for periods

of less than one year. We use adjusted return on equity as an internal performance measure in the management of

our operations because we believe it gives us and users of our financial information useful insight into our

underlying business performance. Adjusted return on equity should not be viewed as a substitute for any metrics

calculated in accordance with GAAP, and other companies may define adjusted return on equity differently.

Adjusted return on equity for the three and six months ended June 30, 2026 and 2025 reconciles to return on

equity as follows:

Three Months Ended June 30,

($ in thousands)

2026

2025

Net income

$

34,146

$

27,494

Average beginning and ending shareholders’ equity(1)

352,501

243,966

Return on equity

38.7%

45.1%

Adjusted net income (after tax)

$

34,874

$

31,294

Average shareholders’ equity

352,501

243,966

Adjusted return on equity(2)

39.6%

51.3%

Six Months Ended June 30,

($ in thousands)

2026

2025

Net income

$

54,056

$

65,590

Average beginning and ending shareholders’ equity(1)

353,270

232,133

Return on equity

30.6%

56.5%

Adjusted net income (after tax)

$

54,742

$

69,377

Average shareholders’ equity

353,270

232,133

Adjusted return on equity(2)

31.0%

59.8%

(1)Average beginning and ending shareholders’ equity represents the average of shareholders’ equity at the beginning and

end of the period presented.

(2)Adjusted return on equity is the adjusted net income (after tax) divided by the average beginning and ending

shareholders’ equity.

Net underlying loss and loss adjustment expense ratio

Net underlying loss and loss adjustment expense ratio is a non-GAAP measure. We calculate the net underlying

loss and loss adjustment expense ratio by subtracting current year net catastrophe losses and prior year net reserve

development from total net losses and LAE and dividing that amount by the sum of total net premiums earned

plus policy fees. We use the net underlying loss and LAE ratio to allow us to analyze our loss trends before the

impact of catastrophe losses and prior year reserve development. These two items can have a significant impact

on our loss trends in a given period. We believe it is useful for investors to evaluate these components both

separately and in the aggregate when reviewing our performance. The most directly comparable GAAP measure

is the net loss and LAE ratio. The net underlying loss and LAE ratio should not be considered a substitute for the

net loss and LAE ratio and does not reflect the overall profitability of our business.

The following tables summarize the loss and LAE ratios and the net underlying loss and LAE ratios for the three

and six months ended June 30, 2026 and 2025:

Three Months Ended June 30,

($ in thousands)

2026

2025

Total Net Premiums Earned

$

104,696

$

66,169

Plus: Policy Fees

3,711

2,967

Total Net Premiums Earned Plus Policy Fees

108,407

69,136

Losses and Loss Adjustment Expenses, Net

$

33,151

$

21,189

Loss and Loss Adjustment Expense Ratio (% Net Premiums

Earned Plus Policy Fees)

30.6%

30.6%

Less:

Current Year Net Catastrophe Losses

—

—

Prior Year Net Reserve Development

—

(1,695)

Underlying Loss and Loss Adjustment Expenses, Net

$

33,151

$

22,884

Net Underlying Loss and Loss Adjustment Expense Ratio (%

Net Premiums Earned Plus Policy Fees)

30.6%

33.1%

Six Months Ended June 30,

($ in thousands)

2026

2025

Total Net Premiums Earned

$

186,904

$

131,571

Plus: Policy Fees

6,456

5,171

Total Net Premiums Earned Plus Policy Fees

193,360

136,742

Losses and Loss Adjustment Expenses, Net

$

64,876

$

42,051

Loss and Loss Adjustment Expense Ratio (% Net Premiums

Earned Plus Policy Fees)

33.6%

30.8%

Less:

Current Year Net Catastrophe Losses

—

—

Prior Year Net Reserve Development

—

(1,117)

Underlying Loss and Loss Adjustment Expenses, Net

$

64,876

$

43,168

Net Underlying Loss and Loss Adjustment Expense Ratio (%

Net Premiums Earned Plus Policy Fees)

33.6%

31.6%

Gross underlying loss and loss adjustment expense ratio

Gross underlying loss and loss adjustment expense ratio is a non-GAAP measure. We calculate the gross

underlying loss and LAE ratio by adding net underlying loss and LAE and ceded non-catastrophe losses and

dividing that amount by the sum of total gross premiums earned and policy fees. We use the gross underlying loss

and LAE ratio to analyze our loss trends before the impact of reinsurance.

We believe it is useful for investors to evaluate the cost of non-catastrophe losses for every dollar of gross

premiums earned. The most comparable GAAP measure is the net loss and LAE ratio. The gross underlying loss

and LAE ratio should not be considered a substitute for net loss and LAE ratio and does not reflect the overall

profitability of our business.

The following tables summarize the gross underlying loss and LAE ratios for the three and six months ended June

30, 2026 and 2025:

Three Months Ended June 30,

($ in thousands)

2026

2025

Total Gross Premiums Earned

$

242,251

$

223,740

Plus: Policy Fees

3,711

2,967

Total Gross Premiums Earned Plus Policy Fees

245,962

226,707

Losses and Loss Adjustment Expenses, Net

33,151

21,189

Less:

Current Year Net Catastrophe Losses

—

—

Prior Year Net Reserve Development

—

(1,695)

Underlying Loss and Loss Adjustment Expenses, Net

$

33,151

$

22,884

Add:

Ceded Non-Catastrophe Loss and Loss Adjustment

Expense

11,443

12,356

Gross Underlying Loss and Loss Adjustment Expenses

$

44,594

$

35,240

Loss and Loss Adjustment Expense Ratio (% Net Premiums

Earned Plus Policy Fees)

30.6%

30.6%

Gross Underlying Loss and Loss Adjustment Expense Ratio

(% Gross Premiums Earned Plus Policy Fees)

18.1%

15.5%

Six Months Ended June 30,

($ in thousands)

2026

2025

Total Gross Premiums Earned

$

473,023

$

433,896

Plus: Policy Fees

6,456

5,171

Total Gross Premiums Earned Plus Policy Fees

479,479

439,067

Losses and Loss Adjustment Expenses, Net

64,876

42,051

Less:

Current Year Net Catastrophe Losses

—

—

Prior Year Net Reserve Development

—

(1,117)

Underlying Loss and Loss Adjustment Expenses, Net

$

64,876

$

43,168

Add:

Ceded Non-Catastrophe Loss and Loss Adjustment

Expense

24,205

26,376

Gross Underlying Loss and Loss Adjustment Expenses

$

89,081

$

69,544

Loss and Loss Adjustment Expense Ratio (% Net Premiums

Earned Plus Policy Fees)

33.6%

30.8%

Gross Underlying Loss and Loss Adjustment Expense Ratio

(% Gross Premiums Earned Plus Policy Fees)

18.6%

15.8%

Conference Call

As previously announced, American Integrity will hold a conference call to discuss its second quarter 2026 results

at 9:30 a.m. Eastern Time on August 12, 2026. The call can be accessed by dialing +1 (585) 542-9983 (U.S.

Local), or +1 (833) 461-5787 (U.S. Toll-Free), and using the conference ID code: 889411051. Please call the

conference telephone number 10 minutes before the start time. The earnings call can also be accessed by clicking

the webcast link available on the Investor Relations section of the Company’s website at www.aii.com.

A replay of the call will be available after 12:00 p.m. Eastern Time on the same day as the call and will be

accessible at https://events.q4inc.com/analyst/889411051?pwd=IvBYx9vK. The replay can also be accessed via

the Investor Relations section of the Company’s website at www.aii.com.

The replay will be available for one year.

About American Integrity Insurance Group, Inc.

American Integrity Insurance Group, Inc. (NYSE: AII) is a leading provider of residential property insurance,

focused on delivering innovative, reliable coverage to homeowners throughout the Southeast. Built on a

foundation of integrity, resilience, and service, the Company’s mission is to be the most trusted and responsive

insurance solution in the markets it serves. Founded in 2006 and headquartered in Tampa, American Integrity is

committed to protecting policyholders with strength and purpose—today and for generations to come. For more

information, visit www.aii.com.

Forward-Looking Statements

Certain statements in this press release and on the related teleconference call may be forward-looking statements.

All statements other than statements of historical facts may be forward-looking statements. Forward-looking

statements include, but are not limited to, statements regarding: our outlook; our business strategy; writing new

business and retaining existing policies; new insurance products; availability of reinsurance coverage;

expectations regarding future growth; future Citizens take-out opportunities; anticipated future operating results

and operating expenses, cash flows, capital resources and liquidity; reserves for losses and loss adjustment

expenses; geographic expansion; reduction of our quota share and its impact on our results; competition; future

regulatory, judicial and legislative changes; forecasts of future revenues and appropriately planning our expenses;

and our plans regarding our capital expenditures and investment portfolios. In some cases, you can identify

forward-looking statements by terms such as “anticipates,” “believes,” “contemplates,” “continue,” “could,”

“estimates,” “expects,” “intends,” “may,” “plans,” “potential,” “predicts,” “projects,” “should,” “targets,” “will,”

“would” or the negative of these terms or other similar expressions. Forward-looking statements are neither

historical facts nor assurances of future performance, and are based only on our current beliefs, expectations and

assumptions regarding the future of our business, future plans and strategies, projections, anticipated events and

trends, the economy and other future conditions. Because forward-looking statements relate to the future, they are

subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of

which are outside of our control. Therefore, you should not rely on any of these forward-looking statements.

Important factors that could cause our actual results and financial condition to differ materially from those

indicated in the forward-looking statements include, among others, the following: the potential that we may face

significant losses due to being a property and casualty insurer and our exposure to catastrophic events and severe

weather conditions; our loss reserves are estimates and may be inadequate to cover our actual liability for losses,

and actual claims incurred have exceeded, and in the future may exceed, reserves established for claims; the

dependence of our financial results on the regulatory, legal, economic and weather conditions in Florida due to the

fact that we conduct substantially all of our business in Florida; changing climate conditions may increase the

severity and frequency of catastrophic events and severe weather conditions; the severity and frequency of

catastrophe events of which are unpredictable; dependence upon the effectiveness of exclusions and other loss

limitation methods in the insurance policies we assume or write; reliance upon third-party distribution partners,

including independent insurance agents, homebuilder-affiliated agents and national insurance carriers; our ability

to pursue Citizens take-out opportunities; cyclical changes in the insurance industry; our ability to obtain

reinsurance coverage at commercially reasonable rates, or at all; credit risk of our reinsurers who may suffer a

downgrade; the inherent uncertainty of models and our reliance on such models as a tool to evaluate risk, and the

dependence of our results upon our ability to accurately price the risks we underwrite; the possibility that our

information technology systems may fail or be disrupted; our ability to expand our business and the possible need

to acquire additional capital in the future to fund such expansion; the ability of our claims department, or the

third-party claims adjusters whom we may engage, to effectively manage or remediate claims as well as

unanticipated increases in the severity or frequency of claims; the possibility that actual renewals of our existing

policies will not meet expectations; increased competition and market conditions, including changes in our

financial stability and credit ratings; the extensive regulatory environment in which we operate that requires

approval of rate increases, can mandate rate decreases, and that can dictate underwriting practices and mandate

participation in loss sharing arrangements, and other potential further restrictive regulation we may face;

mandatory assessments or competition from government entities may create short-term liabilities or affect our

ability to underwrite more policies; and other risks identified in “Risk Factors” in our reports filed with the

Securities and Exchange Commission. New risks emerge from time to time. It is not possible for our management

to predict all risks, nor can we assess the impact of all factors on our business or the extent to which any factor, or

combination of factors, may cause actual results to differ materially from those contained in any forward-looking

statements we may make. In light of these risks, uncertainties, and assumptions, the future events and trends

discussed may not occur and actual results could differ materially and adversely from those anticipated or implied

in the forward-looking statements. We do not undertake any obligation to update or revise the forward-looking

statements to reflect events that occur or circumstances that exist after the date on which such statements were

made, except to the extent required by law.

Company Contact:

Brian Foley, CFO

American Integrity Insurance Group, Inc.

bfoley@aii.com

Consolidated Balance Sheets

(In thousands, except share and per share data)

June 30, 2026

December 31, 2025

(unaudited)

Assets

Fixed maturities, available-for-sale, at fair value (amortized cost of $346,989

and $327,910, respectively)

$346,427

$330,489

Short-term investments (amortized cost of $4,739 and $18,121, respectively)

4,738

18,121

Total investments

351,165

348,610

Cash and cash equivalents

288,453

203,902

Restricted cash and cash equivalents

55,419

40,217

Premiums receivable, net

59,104

45,031

Accrued investment income

3,163

3,458

Prepaid reinsurance premiums

519,574

275,093

Income taxes recoverable

1,545

—

Reinsurance recoverable, net

247,916

269,056

Deferred policy acquisition costs, net

22,414

5,127

Property and equipment, net

8,951

5,718

Right-of-use assets – operating leases

38,452

449

Deferred income tax asset, net

5,116

8,636

Other assets

11,009

24,904

Total assets

$1,612,281

$1,230,201

Liabilities and shareholders’ equity

Liabilities:

Unpaid losses and loss adjustment expenses

$254,178

$266,591

Income tax payable

—

2,680

Unearned premiums

555,130

481,557

Reinsurance payable

341,609

96,555

Advance premiums

21,847

11,752

Long-term debt

412

618

Lease liabilities – operating leases

33,065

458

Other liabilities and accrued expenses

36,521

32,968

Total liabilities

$1,242,762

$893,179

Shareholders’ equity:

Common stock, $0.001 par value, 100,000,000 shares authorized, 19,593,427

shares issued and outstanding at June 30, 2026 and 19,579,009 shares issued

and outstanding at December 31, 2025

$20

$20

Additional paid-in capital

106,656

105,896

Accumulated other comprehensive income (loss), net of taxes

(420)

1,928

Retained earnings

263,263

229,178

Total shareholders’ equity

$369,519

$337,022

Total liabilities and shareholders’ equity

$1,612,281

$1,230,201

Consolidated Statements of Operations and Comprehensive Income (Unaudited)

(In thousands, except share and per share data)

Three Months Ended June 30,

Six Months Ended June 30,

2026

2025

2026

2025

Revenues:

Gross premiums written

$326,592

$286,995

$546,596

$499,145

Change in gross unearned premiums

(84,341)

(63,255)

(73,573)

(65,249)

Gross premiums earned

242,251

223,740

473,023

433,896

Ceded premiums earned

(137,555)

(157,571)

(286,119)

(302,325)

Net premiums earned

104,696

66,169

186,904

131,571

Policy fees

3,711

2,967

6,456

5,171

Net investment income

6,250

4,780

11,902

8,883

Net realized gains (losses) on investments

(2)

485

51

501

Other income

516

98

789

259

Total revenues

115,171

74,499

206,102

146,385

Expenses:

Losses and loss adjustment expenses, net

33,151

21,189

64,876

42,051

Policy acquisition expenses

17,410

6,281

33,395

9,388

General and administrative expenses

18,186

22,932

34,152

27,940

Total expenses

68,747

50,402

132,423

79,379

Income before income taxes

46,424

24,097

73,679

67,006

Income tax (benefit) expense

12,278

(3,397)

19,623

1,416

Net income

$34,146

$27,494

$54,056

$65,590

Other comprehensive income (loss):

Unrealized holding gains on available-for-

sale securities, net of taxes

(605)

1,231

(2,311)

1,688

Reclassification adjustment for net

realized gains (losses), net of taxes

1

(362)

(37)

(374)

Total other comprehensive income (loss)

(604)

869

(2,348)

1,314

Comprehensive income

$33,542

$28,363

$51,708

$66,904

Earnings per share:

Basic earnings per share

$1.74

$1.62

$2.76

$4.18

Diluted earnings per share

$1.74

$1.62

$2.76

$4.18

Weighted average shares outstanding –

Basic

19,586,994

16,962,075

19,583,036

15,152,075

Weighted average shares outstanding –

Diluted

19,590,448

16,962,075

19,584,870

15,152,075

Consolidated Statements of Cash Flows (Unaudited)

(In thousands)

For the Six Months Ended June 30,

2026

2025

Cash flows provided by (used in) operating activities

Net income

$54,056

$65,590

Adjustments to reconcile net income to net cash provided by operating activities:

Stock-based compensation expense

880

10,433

Amortization and depreciation

1,091

1,147

Deferred income taxes

4,314

(9,829)

Net realized gains

(51)

(501)

Changes in operating assets and liabilities:

Premiums receivable

(14,073)

(7,031)

Accrued investment income

295

(737)

Prepaid reinsurance premiums

(244,481)

(297,587)

Reinsurance recoverable

21,140

69,524

Other assets

8,367

9,299

Unpaid losses and loss adjustment expense

(12,413)

(96,922)

Unearned premiums

73,573

65,250

Reinsurance payable

245,054

288,416

Advance premiums

10,095

16,004

Income taxes payable (recoverable)

(4,225)

(9,070)

Operating lease payments

(416)

(1,053)

Deferred policy acquisition costs, net unearned ceding commissions

(17,287)

(5,066)

Other liabilities and accrued expenses

3,924

(2,386)

Net cash provided by operating activities

129,843

95,481

Cash flows provided by (used in) investing activities

Purchases of property and equipment

(4,475)

(579)

Proceeds from sales and maturities of fixed maturity securities

35,038

103,486

Purchases of fixed maturity securities

(53,784)

(162,776)

Proceeds from sales and maturities of short-term investments

22,659

—

Purchases of short-term investments

(9,231)

—

Net cash used in investing activities

(9,793)

(59,869)

Cash flows provided by (used in) financing activities

Proceeds from initial public offering, net of underwriting discounts and commissions

—

93,000

Payments on tax withheld on vesting of restricted stock awards

—

(3,753)

Payments on tax withheld on vesting of restricted stock units

(120)

—

Cash dividends paid

(19,971)

—

Cash distributions to members(1)

—

(22,875)

Repayment of long-term debt

(206)

(206)

Payments of initial public offering costs

—

(4,227)

Net cash provided by (used in) financing activities

(20,297)

61,939

Net increase in cash, cash equivalents and restricted cash and cash equivalents

99,753

97,551

Cash, cash equivalents and restricted cash and cash equivalents at beginning of year

244,119

179,272

Cash, cash equivalents and restricted cash and cash equivalents at end of period

$343,872

$276,823

(1)The distributions were made to members prior to the IPO.

EX-99.2

EX-99.2

Filename: aii-2q26investorpresenta.htm · Sequence: 3

aii-2q26investorpresenta

1 2Q 2026 Investor Presentation

2 Generally. The information contained in this presentation has been prepared by American Integrity Insurance Group, Inc. and its subsidiaries (collectively, “American Integrity, “AII,” the “Company,” “we,” “us” or “our”) and contains information pertaining to the business and operations of the Company. The information contained in this presentation is current only as of the date of the presentation. For any time after the date of this presentation, the information, including information concerning our business, financial condition, results of operations and prospects, may have changed. The delivery of this presentation shall not, under any circumstances, create any implication that there have been no changes in our affairs after the date of this presentation. We have not authorized any person to give any information or to make any representations about us in connection with this presentation that is not contained herein. If any information has been or is given or any representations have been or are made to you outside of this presentation, such information or representations should not be relied upon as having been authorized by us. Cautionary Note Regarding Forward-Looking Statements. Certain statements in this presentation may be forward-looking statements. All statements other than statements of historical facts may be forward-looking statements. Forward-looking statements include, but are not limited to, statements regarding: our outlook; our business strategy; writing new business and retaining existing policies; new insurance products; availability of reinsurance coverage; expectations regarding future growth; future Citizens take-out opportunities; anticipated future operating results and operating expenses, cash flows, capital resources and liquidity; reserves for losses and loss adjustment expenses; geographic expansion; reduction of our quota share and its impact on our results; competition; future regulatory, judicial and legislative changes; forecasts of future revenues and appropriately planning our expenses; and our plans regarding our capital expenditures and investment portfolios. In some cases, you can identify forward-looking statements by terms such as “anticipates,” “believes,” “contemplates,” “continue,” “could,” “estimates,” “expects,” “intends,” “may,” “plans,” “potential,” “predicts,” “projects,” “should,” “targets,” “will,” “would” or the negative of these terms or other similar expressions. Forward-looking statements are neither historical facts nor assurances of future performance, and are based only on our current beliefs, expectations and assumptions regarding the future of our business, future plans and strategies, projections, anticipated events and trends, the economy and other future conditions. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict and many of which are outside of our control. Therefore, you should not rely on any of these forward-looking statements. Important factors that could cause our actual results and financial condition to differ materially from those indicated in the forward-looking statements include, among others, the following: the potential that we may face significant losses due to being a property and casualty insurer and our exposure to catastrophic events and severe weather conditions; our loss reserves are estimates and may be inadequate to cover our actual liability for losses, and actual claims incurred have exceeded, and in the future may exceed, reserves established for claims; the dependence of our financial results on the regulatory, legal, economic and weather conditions in Florida due to the fact that we conduct substantially all of our business in Florida; changing climate conditions may increase the severity and frequency of catastrophic events and severe weather conditions; the severity and frequency of catastrophe events of which are unpredictable; dependence upon the effectiveness of exclusions and other loss limitation methods in the insurance policies we assume or write; reliance upon third-party distribution partners, including independent insurance agents, homebuilder-affiliated agents and national insurance carriers; our ability to pursue Citizens take-out opportunities; cyclical changes in the insurance industry; our ability to obtain reinsurance coverage at commercially reasonable rates, or at all; credit risk of our reinsurers who may suffer a downgrade; the inherent uncertainty of models and our reliance on such models as a tool to evaluate risk, and the dependence of our results upon our ability to accurately price the risks we underwrite; the possibility that our information technology systems may fail or be disrupted; our ability to expand our business and the possible need to acquire additional capital in the future to fund such expansion; the ability of our claims department, or the third-party claims adjusters whom we may engage, to effectively manage or remediate claims as well as unanticipated increases in the severity or frequency of claims; the possibility that actual renewals of our existing policies will not meet expectations; increased competition and market conditions, including changes in our financial stability and credit ratings; the extensive regulatory environment in which we operate that requires approval of rate increases, can mandate rate decreases, and that can dictate underwriting practices and mandate participation in loss sharing arrangements, and other potential further restrictive regulation we may face; mandatory assessments or competition from government entities may create short-term liabilities or affect our ability to underwrite more policies; and other risks identified in “Risk Factors” in our reports filed with the Securities and Exchange Commission (the “SEC”), including our most recently filed Annual Report on Form 10-K for the period ended December 31, 2025. New risks emerge from time to time. It is not possible for our management to predict all risks, nor can we assess the impact of all factors on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements we may make. In light of these risks, uncertainties, and assumptions, the future events and trends discussed may not occur and actual results could differ materially and adversely from those anticipated or implied in the forward-looking statements. We do not undertake any obligation to update or revise the forward-looking statements to reflect events that occur or circumstances that exist after the date on which such statements were made, except to the extent required by law. Market and Industry Data. Unless otherwise indicated, market data and certain industry forecast data used in this presentation were obtained from internal reports, where appropriate, as well as third-party sources and other publicly available information. Data regarding the industry in which the Company competes, its market position and market share within are inherently imprecise and are subject to significant business, economic and competitive uncertainties beyond the Company’s control. In addition, assumptions and estimates of the Company and its industry’s future performance are necessarily subject to a high degree of uncertainty and risk due to a variety of factors. These and other factors could cause future performance to differ materially from assumptions and estimates. Financial Information. The financial information included in this presentation and other financial information about the Company can also be found on our Annual Report on Form 10-K for the period ended December 31, 2025, and our Quarterly Report on Form 10-Q for the period ended June 30, 2026. The Company has prepared its financial statements with accounting principles generally accepted in the United States of America (“GAAP”) for interim financial information, and the SEC rules for interim financial reporting. Accordingly, the financial results in this presentation do not include all the information and footnotes required for complete financial statements and should be read in conjunction with the consolidated financial statements of the Company and the accompanying notes thereto for the year ended December 31, 2025, and for the three and six months ended June 30, 2026. The results for interim periods do not necessarily indicate the results that may be expected for any interim period or for the full year. Financial results for periods beginning prior to the consummation of our initial public offering on May 7, 2025, are those of American Integrity Insurance Group, LLC and its consolidated subsidiaries, and financial results for periods beginning after our initial public offering are those of American Integrity Insurance Group, Inc. and its consolidated subsidiaries. Non-GAAP Financial Measures. This presentation includes certain financial measures derived from consolidated financial data but not presented in accordance with GAAP, including underwriting income, adjusted net income, adjusted earnings per share, net underlying loss and loss adjustment expense ratio, gross underlying loss and loss adjustment expense ratio, ceded catastrophe excess of loss premiums ratio and adjusted return on equity. The Company believes that these non-GAAP measures, when taken together with its financial results presented in accordance with GAAP, provide meaningful supplemental information regarding its operating performance and facilitate internal comparisons of its historical operating performance on a more consistent basis. These non-GAAP financial measures however are subject to inherent limitations, may not be comparable to similarly-titled measures used by other companies and should not be considered in isolation or as an alternative to GAAP measures. Please refer to the Appendix for reconciliations of the non-GAAP financial measures to their most directly comparable GAAP financial measures. Legal Disclaimer

3 Bob Ritchie Founder & Chief Executive Officer Founded American Integrity in 2006 Previously served in leadership roles at American Modern, AIG, CNA and GE Insurance Solutions More than 40 years of insurance industry experience BS, University of Evansville Jon Ritchie President Joined American Integrity in 2009 Previously served as COO and in operational and managerial roles Prior experience: leading an entrepreneurial venture BS, DePaul University; MBA, Indiana University Brian Foley Chief Financial Officer Became CFO in 2026 Prior experience: Keefe, Bruyette & Woods, Balyasny Asset Management, and PwC BS, University of Delaware David Clark Chairman Co-founded American Integrity in 2006 Currently serves as a Managing Director at Sowell & Co. Prior experience: McKinsey & Co. BA & BBA, University of Texas at Austin; Masters of Management, Northwestern University Experienced, Founder-Led Management Team

4 Second Quarter and Business Highlights (1) Market data provided by the Florida Office of Insurance Regulation (https://floir.com/tools-and-data/residential-market-share-reports). (2) YTD through May 31, 2026. Data excludes policy types: Commercial Residential, Personal Residential Condominium/Tenants/Farmowners/Excess Flood. (3) Adjusted Return on Equity is a non-GAAP financial measure defined as adjusted net income (after tax) divided by average beginning and ending shareholders’ equity during the applicable period and is annualized for periods of less than one year. See the non-GAAP reconciliation in the Appendix. #1 public company voluntary market new business writer in Florida(1)(2) 22% voluntary market PIF growth, and 16% overall PIF growth, versus the same period last year 40% Adjusted ROE(3) and $1.78 Adjusted EPS, which we believe demonstrates the power of broader, more durable earnings beyond the temporary Citizens-driven market opportunity Fully placed 2026-2027 catastrophe excess-of-loss reinsurance program at high end of 15-20% rate reduction with improved terms and retentions CAT reinsurance costs coming down faster than premiums, creating a tailwind to earnings

5 American Integrity Financial Highlights - Three & Six Months Ended 6/30/2026 Six Months Ended 6/30/2026 vs. Six Months Ended 6/30/2025 462K Policies In-Force vs. 399K 2Q ‘25 (+16%) $547M Gross Premiums Written vs. $499M 1H ‘25 (+10%) $187M Net Premiums Earned vs. $132M 1H ‘25 (+42%) $55M Adjusted Net Income vs. $69M 1H ‘25 (-21%) $370M Shareholders’ Equity vs. $337M 2025 (+10%) 68% Combined Ratio vs. 58% 1H ‘25 (+10 ppts.) 34% / 19% Net / Gross Loss Ratio vs. 31% 1H ‘25 (net) vs. 16% 1H ’25 (gross) (1) (1) Three Months Ended 6/30/2026 vs. Three Months Ended 6/30/2025 462K Policies In-Force vs. 399K 2Q ‘25 (+16%) $327M Gross Premiums Written vs. $287M 2Q ’25 (+14%) $105M Net Premiums Earned vs. $66M 2Q ’25 (+58%) $35M Adjusted Net Income vs. $31M 2Q ’25 (+11%) $370M Shareholders’ Equity vs. $335M 1Q ‘26 (+10%) 63% Combined Ratio vs. 73% 2Q ’25 (-10 ppts.) 31% / 18% Net / Gross Loss Ratio vs. 31% 2Q ’25 (net) vs. 16% 2Q ’25 (gross) (1) (1)40% Adjusted ROE vs. 51% 2Q ’25 (-11 ppts.) 31% Adjusted ROE vs. 60% 1H ‘25 (-29 ppts.) (1) (3) (4) (4) (1) (3) (1) As of June 30, 2026. (2) Gross loss ratio reflects gross underlying loss and loss adjustment expense ratio. Gross underlying loss and loss adjustment expense ratio is a non-GAAP measure. We calculate the gross underlying loss and LAE ratio by adding net underlying loss and LAE and ceded non-catastrophe losses and dividing that amount by the sum of total gross premiums earned and policy fees. See the non-GAAP reconciliation in the Appendix. (3) Adjusted net income is a non-GAAP financial measure defined as net income excluding net realized gains or losses on investments, stock compensation expense incurred in connection with our IPO, and certain non-recurring or non-cash expenses, including those incurred in connection with our IPO, net of tax. See the non-GAAP reconciliation in the Appendix. (4) Adjusted Return on Equity represents adjusted net income (after tax) divided by average beginning and ending shareholders’ equity during the applicable period and is annualized for periods of less than one year. See the non-GAAP reconciliation in the Appendix. (2) (2)

6 Leading Florida Residential Market Share Position Twenty years of cultivating our distribution network has resulted in a strong market share position in the Florida residential insurance marketplace, both in terms of voluntary writings and in-force policies/premium(1)(2) (1) Market Share data provided by the Florida Office of Insurance Regulation (https://floir.gov/tools-and-data/residential-market-share-reports). (2) Data excludes the following policy types: Commercial Residential, Personal Residential Condominium/Tenants/Farmowners/Excess Flood. #3 Among All Carriers #2 Excl. Citizens/National Carriers #7 Among All Carriers #6 Excl. Citizens/National Carriers #2 Among All Carriers #2 Excl. Citizens/National Carriers New FL Voluntary Policies Written Year to Date Ended 5/31/2026 1. Tower Hill 55,706 2. American Integrity 46,287 3. Florida Peninsula 38,735 4. Frontline 37,897 5. Citizens 32,072 6. Universal P&C 27,335 7. Assurant 22,600 8. Kin 19,801 9. Cabrillo Coastal 19,650 10. American Traditions 19,182 11. Security First 15,586 12. State Farm 15,027 13. TRUE 10,127 14. People’s Trust 10,038 15. USAA 9,113 Other Public Peers 19. Slide 6,355 23. Heritage 4,716 28. HCI 2,959 FL Residential Policies In-Force as of 5/31/2026 1. Slide 428,270 2. State Farm 396,767 3. American Integrity 393,686 4. Tower Hill 390,714 5. Florida Peninsula 374,093 6. Universal P&C 294,672 7. Frontline 265,921 8. Citizens 255,435 9. HCI 227,257 10. USAA 217,674 11. Safepoint 191,886 12. Kin 158,087 13. Southern Oak 135,809 14. American Traditions 131,808 15. Cabrillo Coastal 131,316 Other Public Peers 20. Heritage 98,778 FL Residential Premium In-Force, $M as of 5/31/2026 1. Slide $1,679 2. Florida Peninsula $1,537 3. Universal P&C $1,192 4. Tower Hill $1,190 5. HCI $1,124 6. State Farm $1,124 7. American Integrity $900 8. Frontline $890 9. USAA $876 10. Safepoint $658 11. Citizens $629 12. Monarch $486 13. Kin $465 14. Assurant $453 15. Olympus $442 Other Public Peers 18. Heritage $385

7 Executing on Voluntary, Organic Growth Opportunities Our strong balance sheet and leading position in the stabilized Florida insurance market has resulted in strong growth across our key business initiatives. Our next phase of growth is being driven by scalable voluntary market opportunities independent of Citizens take-outs Strong Balance Sheet Stable Market Market Leadership Expansion into Florida’s Large Tri-County Region(1) Re-Opening Florida HO3 Capacity for Middle-Aged Homes Florida Introduction of Commercial Residential Reduction of Non-Cat Quota Share Strategic Expansion in GA, SC, NC with Builder Agents Strong Voluntary Policy Writing and Renewal Trends (1) Tri-County encompasses Miami-Dade, Broward, and Palm Beach counties.

8 $35,079 $87,721 2Q 2025 2Q 2026 Voluntary New Business GWP ($ 000s) Strong Voluntary Business Driving Organic Growth • 54% new voluntary policy growth and 150% new voluntary premium growth during the second quarter of 2026 compared to the same period last year, combined with favorable retention • Voluntary growth continues to significantly outpace overall growth as the Company increasingly prioritizes high-quality organic business over Citizens take-out volume $1,262 $2,047 Average new business gross written premium per policy ($ in actuals) 75.1% 78.1% 81.5% 82.8% 82.7% 83.6% 84.4% 4Q 2024 1Q 2025 2Q 2025 3Q 2025 4Q 2025 1Q 2026 2Q 2026 Quarterly Policy Retention Ratio Trends +9.3 % ppts. 28 43 2Q 2025 2Q 2026 Voluntary New Policy Writings (000s) 306 373 93 88 399 462 2Q 2025 2Q 2026 PIF (000s) Voluntary PIF Citizens PIF

9 $0.5 $28.8 2Q 2025 2Q 2026 Tri-County Growth Success Tri-County Voluntary New Business Policies Written Tri-County Voluntary New Business Gross Premiums Written • Our re-entry into the Tri-County region of Florida is gaining momentum • Average new business rates tend to skew higher in Tri-County • Successfully expanding our position in Florida’s attractive high-value homeowner market • We believe approximately 40% of all Florida “high-valued homes”(1) are located in Tri-County % of total voluntary new business mix 18% ($ in millions) 33% Tri-County premium per new business policy ~2x that of rest of book 185 7,636 2Q 2025 2Q 2026 1%1% (1) Defined as valued over $1.5 million.

10 Middle-Aged Homes Execution • HO-3 business was the most severely impacted product line by the Florida litigation crisis and where we historically pulled back writing most acutely • Dwelling and fire products were somewhat insulated as roofs mostly were insured on an actual cash value basis • As we re-opened our HO-3 product to middle-aged homes, we have seen strong growth, and feedback from agents has been positive (1) We define middle-aged homes as homes with roofs that are older than five years. Excludes middle-aged homes in the Tri-County region of Florida, which are captured separately in their own category. HO-3 Middle-Aged(1) Voluntary New Business Policies Written HO-3 Middle-Aged(1) Voluntary New Business Gross Premiums Written 21% ($ in millions) 24% 437 9,062 2Q 2025 2Q 2026 $1.4 $21.3 2Q 2025 2Q 2026 2% 4% % of total voluntary new business mix

11 Florida Commercial Residential Growth Opportunity • Florida commercial residential market represents $1.7B of premium(1) • Launched commercial residential writings in 4Q 2025 with high degree of pricing/underwriting discipline • Highly selective in the opportunities we pursue • Garden-style, 2 and 3 story condominium associations • Townhome communities • Homeowner’s associations • Avoiding high rise coastal buildings 278 Policies In-Force(2) $18.6M In-Force Premium(2) (1) Market data provided by the Florida Office of Insurance Regulation as of December 31, 2025 (https://floir.com/tools-and-data/residential-market-share- reports); does not include the non-admitted market. (2) As of June 30, 2026.

12 Reduced Non-Cat Quota Share • In addition to our catastrophe XOL reinsurance tower, we also purchase non-cat quota share reinsurance • Effective January 1, 2026, we reduced our quota share ceding percentage from 40% to 25% • The reduction in quota share reflects our growing confidence in the profitability, stability and earnings power of our underlying portfolio • We believe the change in our quota share ceding percentage will positively impact revenue and net income, but will affect the period-over-period comparability of our results • Our quota share partners pay us variable ceding commission income based on loss experience • Ceding commission income reduces policy acquisition expenses (PAC) and general and administrative expenses (G&A), resulting in an increase on an absolute dollar basis period-over-period when the quota share is reduced, holding all else equal(1) • Allocation of ceding commission income may distort comparability of PAC and G&A line items individually Quota Share Ceding Percentage Net Earned Premiums ($ 000s) Ceding Commission Income ($ 000s) 17% 11% Total % of gross premiums earned 49% 51% 44% 56% $66,169 $104,696 2Q 2025 2Q 2026 40% 25% 2025 2026 (1) Total ceding commission allocated to PAC and G&A in proportion to their respective gross amounts. $21,953 $13,786 $16,992 $13,197 2Q 2025 2Q 2026 Ceding Commission Allocated to PAC Ceding Commission Allocated to G&A $38,945 $26,984

13 Accomplishing Strategic Regional Expansion • Growth in geographies outside of FL(1) progressing nicely • Good initial momentum in North Carolina continuing into 2H 2026 • Evaluating the potential for further state expansion and introduction of new products in existing ex-FL footprint in 2027 Ex-FL Voluntary New Business Policies Written Ex-FL Voluntary New Business Gross Premiums Written 18% 10%20% 16% ($ in millions) (1) Currently writing in North Carolina, South Carolina and Georgia. 5,450 7,644 2Q 2025 2Q 2026 % of total voluntary new business mix $5.6 $8.4 2Q 2025 2Q 2026

14 Our Core Competencies Support and Fuel our Profitable Growth We believe our differentiated operating platform creates meaningful barriers to entry in the Florida residential market Deep, Diversified Distribution Robust, Granular Technology Platform Tested, Aligned Management Integrated, Detailed Underwriting & Claims Longstanding independent agent relationships National carriers and agencies New construction home builder-affiliated agents Selective Citizens depopulations Insurance Now Guidewire system Seamless API integrations Block-level granularity with in-house programming Founder-led since inception in 2007 Battle-tested senior leadership team Deep Florida insurance expertise Differentiated capacity at the agency/zip/census block level Dedicated underwriters for top agencies Strong integration between underwriting and claims, product and sales

15 1,229 936 395 278 2023 2024 2025 2Q 2026 Competitive Environment Average Gross Premiums Written Per Policy • Despite the market becoming more competitive, we are seeing stability in our average premium per policy • Mix shifts towards middle-aged homes and policies in Tri-County plus rate increases on our take-out book have been offset by appropriate, modest rate declines in some areas of our voluntary book • Policy features such as inflation guard also dampen pricing declines • Reinsurance rates have been declining well in excess of primary rates • We continue to view our multi-pronged distribution strategy, led by independent agents, as a competitive advantage and a significant barrier to entry in the Florida market • #1 public company voluntary market new business writer in Florida(1)(2) • As Citizens shrinks to historically low levels, we believe the ability to scale profitably in the voluntary market increasingly differentiates established carriers with deep distribution relationships and underwriting infrastructure (1) Market data provided by the Florida Office of Insurance Regulation (https://floir.gov/tools-and-data/residential-market-share-reports). (2) YTD through May 31, 2026. Data excludes policy types: Commercial Residential, Personal Residential Condominium/Tenants/Farmowners/Excess Flood. (3) Citizens Property Insurance Corporation. Includes all policies in-force (residential, wind only, and commercial). Citizens Policies In-Force (000s) (1)(3) Lowest levels in last 20 years $2,178 $2,156 2Q 2025 2Q 2026

16 Robust Reinsurance Program Our strategic reinsurance program is key to our risk management philosophy Per Risk & Facultative • Cover individual risks as opposed to group or class of business • Provides coverage for non-catastrophe losses from individual policies in excess of $1M Non-CAT Quota Share • Reinsurer assumes a specified percentage of losses for defined class of business • Utilized for non-catastrophe, flood-related and equipment breakdown losses Excess of Loss (“XOL”) • Reinsurer assumes all or portion of losses for an individual claim or event in excess of specified amount • Utilized for catastrophe protection with multiple prepaid reinstatements • Utilize captive to optimize profitability given uneconomic cost of XOL reinsurance at low limits • Improves financial flexibility and capital management Captive Reinsurance We regularly assess and realign our reinsurance structure to optimize the effectiveness of our program Reinsurance Philosophy Reduce earnings volatility 1 Enhance capital management 2 Limit exposure to CAT events 3 Protect capital 4 Our Risk Management Strategy Includes Multiple Types of Reinsurance: CAT Bonds • Collateralized catastrophe bonds placed in the private markets to protect against named storms in Florida

17 2026/2027 Finalized Catastrophe XOL Reinsurance Highlights Favorable renewal completed with risk-adjusted rate declines in line with broader market of upwards of 20% reductions and improved terms Robust vertical and horizontal cover modeled to contain the four-event 2004 Florida storm season First event retention of $35 million, consistent with last year’s program (despite 19% exposure growth), and reduced aggregate retention from $95 million to $75 million in a four-event season $2.3 billion first event tower, including retentions, equal to a 1-in-130 year probable maximum loss level, consistent with last year’s program Total third-party coverage for all occurrences is $3 billion, representing an increase of $409 million, or 15.8%, over the 2025 treaty year Total cost of the program expected to be between $430 - $440 million Traditional reinsurance limit represents $1.65 billion (up from $1.1 billion in 2025), and ILS market represents $825 million in total limit

18 American Integrity Retention Catastrophe Reinsurance Program with Broad Market Support Sophisticated and conservative all-peril catastrophe XOL coverage to mitigate retained property losses Our multi-layered CAT XOL program provides comprehensive coverage up to $2.27B, including Company retentions, for a single event and $1.75B for second event (assuming first event of $905M) American Integrity Retention Integrity Re 2025 CL A-1 Integrity Re 2025 CL A-2 $2,270M $1,455M $1,205M $905M $900M $328M $200M $100M $35M $10M $1,937M $1,685M $1,745M $590M $390M $200M $100M $35M $10M $1,500M $1,170M $20M First event retention of $35M, with $10M of exposure for the insurance entity and $25M of exposure for our captive Second event retention of $20M, with $10M of exposure for the insurance entity and $10M of exposure for our captive (3rd and 4th event retention of $10M, respectively) Coverage by state of Florida, participation in FHCF is mandatory for all FL residential property insurers Class D CAT bond placed in 2025, expiring end of May 2027 Multi-tranche CAT bond (class B and C) placed in 2026 expiring end of May 2029 Class C CAT bond placed in 2025 expiring end of May 2027 Multi-tranche CAT bond placed in 2025 expiring end of May 2027 Multi-tranche CAT bond placed in 2025 expiring end of May 2028 First event tower, including retentions, equal to 1-in-130 year probable maximum loss level Second Event assumes a First Event loss of $905.4M net of Florida Hurricane Catastrophe Fund and Named Storm Inuring layers Second event First event A B C D F E G IH J K A B C D E F G H I J K Integrity Re 2025 CL B-1 Integrity Re 2025 CL B-2 Integrity Re 2025 CL C Integrity Re 2026 CL B Integrity Re 2026 CL CIntegrity Re 2025 CL D Integrity Re 2026 CL A $2,260M $2,130M $2,055M $1,755M $1,105M $690M $940M $1240M $1540M $1,755M $1,615M Integrity Re 2026 CL A Integrity Re 2025 CL B-1 Integrity Re 2025 CL B-2 Integrity Re 2025 CL A-1 Integrity Re 2025 CL A-2 Integrity Re 2026 CL B Integrity Re 2025 CL C Integrity Re 2026 CL CIntegrity Re 2025 CL D Florida Hurricane Catastrophe Fund

19 A Compelling Investment Opportunity A Compelling Investment Opportunity American Integrity combines deep Florida expertise, management continuity and an impressive track record of operating in the state with a large organic growth opportunity in the stabilized Florida market (1) Federal Reserve data https://fred.stlouisfed.org/series/FLPOP; U.S. Census Bureau data https://www.census.gov/quickfacts/fact/table/FL/PST040224 (2) Capital growth includes increases in book value plus profit distributions to stockholders. (3) Adjusted ROE represents adjusted net income (after tax) divided by average beginning and ending shareholders’ equity. See Appendix for non-GAAP reconciliation. (4) Core organic excludes all Citizens takeout business including legacy assumptions. Long-Term Growth and Profitability Track Record 2008 - 2025 GWP growth CAGR 14.0% 2008 - 2025 PIF growth CAGR of 10.4% vs 1.4% (1) annual population growth in Florida Mar 2007- Mar 2025 pre-IPO capital growth CAGR of 20.2% (2) Returned $20M to stockholders in 1Q 26 via special dividend Improved and Stabilized Florida Market and Positioning Historic litigation reforms of 2022 IPO May 2025 generated $100M of gross proceeds Adj. ROE for 2024 and 2025 of 27% and 42%, respectively (3) Built market leading voluntary distribution channel relationships We believe new Tri- County focus and capacity for writing middle-aged homes is working Reduction in quota share in 1Q 2026 added to earnings FL commercial residential writings began in 4Q 2025 NC writings began in 1Q 2026 Organic Growth Momentum Continues to Strengthen Across Multiple Strategic Initiatives Successfully Scaling Multiple High-Return Organic Growth Initiatives Total PIF growth up 16% at 6/30/2026 vs. 6/30/2025 Voluntary new writings up 54% 2Q 26 vs. 2Q 25 Policy retention rates up from 75% in 4Q 24 to 84% in 2Q 26 Voluntary core organic (4) PIF growth up 22% at 6/30/2026 vs. 6/30/2025 r i r t t ti t tr t r lti l tr t i I iti ti

20 Appendix

21 Summary Financials Income Statement – Three Months Ended Income Statement – Six Months Ended $ in thousands June 30, June 30, Six Months Ended 2026 2025 Revenues Gross premiums written $546,596 $499,145 Change in gross unearned premiums (73,573) (65,249) Gross premiums earned 473,023 433,896 Ceded premiums earned (286,119) (302,325) Net premiums earned 186,904 131,571 Policy fees 6,456 5,171 Net investment income 11,902 8,883 Net realized gains (losses) on investments 51 501 Other income 789 259 Total revenues 206,102 146,385 Expenses Losses and loss adjustment expenses, net 64,876 42,051 Policy acquisition expenses 33,395 9,388 General and administrative expenses 34,152 27,940 Total expenses 132,423 79,379 Income before income taxes 73,679 67,006 Income tax expense (benefit) 19,623 1,416 Net income $54,056 $65,590 Adjusted net income (1) $54,742 $69,377 Key Ratios Loss ratio 33.6% 30.8% Expense ratio 34.9% 27.3% Combined ratio 68.5% 58.1% (1) Adjusted net income is a non-GAAP financial measure defined as net income excluding net realized gains or losses on investments, stock compensation expense incurred in connection with our IPO, and certain non-recurring or non-cash expenses, including those incurred in connection with our IPO, net of tax. See the non-GAAP reconciliation in the Appendix. $ in thousands June 30, June 30, Three Months Ended 2026 2025 Revenues Gross premiums written $326,592 $286,995 Change in gross unearned premiums (84,341) (63,255) Gross premiums earned 242,251 223,740 Ceded premiums earned (137,555) (157,571) Net premiums earned 104,696 66,169 Policy fees 3,711 2,967 Net investment income 6,250 4,780 Net realized gains (losses) on investments (2) 485 Other income 516 98 Total revenues 115,171 74,499 Expenses Losses and loss adjustment expenses, net 33,151 21,189 Policy acquisition expenses 17,410 6,281 General and administrative expenses 18,186 22,932 Total expenses 68,747 50,402 Income before income taxes 46,424 24,097 Income tax expense (benefit) 12,278 (3,397) Net income $34,146 $27,494 Adjusted net income (1) $34,874 $31,294 Key Ratios Loss ratio 30.6% 30.6% Expense ratio 32.8% 42.3% Combined ratio 63.4% 72.9%

22 Summary Financials Balance Sheet $ in thousands June 30, December 31, December 31, 2026 2025 2024 Assets Fixed maturities, available-for-sale, at fair value $346,427 $330,489 $214,045 Short-term investments 4,738 18,121 - Total investments $351,165 $348,610 $214,045 Cash and cash equivalents 288,453 203,902 173,220 Restricted cash and cash equivalents 55,419 40,217 6,052 Premiums receivable, net 59,104 45,031 51,594 Accrued investment income 3,163 3,458 2,174 Prepaid reinsurance premiums 519,574 275,093 268,254 Income taxes recoverable 1,545 - - Reinsurance recoverable, net 247,916 269,056 462,097 Deferred policy acquisition costs, net 22,414 5,127 - Property and equipment, net 8,951 5,718 1,843 Right-of-use assets – operating leases 38,452 449 2,498 Deferred income tax asset, net 5,116 8,636 - Other assets 11,009 24,904 16,368 Total assets $1,612,281 $1,230,201 $1,198,145 Liabilities and shareholders' equity Unpaid losses and loss adjustment expenses $254,178 $266,591 $475,708 Income tax payable - 2,680 11,873 Unearned premiums 555,130 481,557 421,881 Reinsurance payable 341,609 96,555 56,348 Advance premiums 21,847 11,752 6,561 Deferred income tax liability, net - - 1,122 Long-term debt 412 618 1,029 Lease liabilities – operating leases 33,065 458 2,612 Deferred policy acq. costs, net unearned ceding commissions - - 31,931 Other liabilities and accrued expenses 36,521 32,968 26,688 Total liabilities $1,242,762 $893,179 $1,035,753 Total shareholders' equity 369,519 337,022 162,392 Total liabilities and shareholders' equity $1,612,281 $1,230,201 $1,198,145 Book value per share(1) $18.86 $17.21 $12.58 a (1) Book value per share is the ratio of shareholders’ equity to shares outstanding, each as of the balance sheet date.

23 High Quality Investment Portfolio (1) Fair value of securities, accrued interest, cash and restricted cash as of 6/30/2026. (2) Includes $507.7M of investments & cash, $3.2M of accrued interest, and $0.5M of unrealized losses in our managed investment portfolios at the holding company and insurance company combined, not including cash held for working capital. As of July 22, 2026, the insurance company portfolio weighted average duration was 2.0 years and weighted average credit rating was AA- following the deployment of the vast majority of the 35% cash allocation into fixed income securities. (3) Portfolio account value was $113M as of 8/5/2026 following the movement of $45M of cash from our captive into the holding company portfolio. Weighted Average Credit Rating(2) AA No Equity Exposure • We maintain a simple, conservative, highly-rated and liquid investment portfolio focused on investment grade fixed income securities • Total cash and investments at 6/30/2026 of $698M(1), which includes $510M in two investment portfolios(2) managed by Goldman Sachs Asset Management Weighted Average Effective Duration(2) 1.3 years Weighted Average Credit Rating(2) AA No Equity Exposure Weighted Average Effective Duration(2) 1.8 years 37% 6%22% 35% Insurance Company Portfolio Corporate Securities Government Securities Asset Backed Securities Cash $442M 31% 6%57% 5% Holding Company Portfolio Corporate Securities Government Securities Asset Backed Securities Cash $68M(3)

24 ($ in thousands) Three Months Ended June 30, 2026 2025 Numerator: Net income $34,146 $27,494 Denominator: Average shareholders' equity 352,501 243,966 Return on equity 38.7% 45.1% Numerator: Adjusted net income $34,874 $31,294 Denominator: Average shareholders' equity 352,501 243,966 Adjusted return on equity 39.6% 51.3% Adjusted Return on Equity Non-GAAP Reconciliations Three Months Ended June 30, 2026 vs 2025 ($ in thousands) ($ in thousands) Underwriting Income Net / Gross Underlying Loss and LAE Ratio Ceded Catastrophe Excess of Loss Premiums Ratio Three Months Ended June 30, 2026 2025 Income before taxes $46,424 $24,097 Less: Net investment income 6,250 4,780 Net realized gains (losses) on investments (2) 485 Other income 516 98 Underwriting income $39,660 $18,734 Three Months Ended June 30, 2026 2025 Gross premiums earned $242,251 $223,740 Total ceded premiums earned (137,555) (157,571) Less: NCQSR and other ancillary reinsurance treaties (42,178) (63,212) Ceded catastrophe XOL premiums earned $(95,377) $(94,359) Ceded catastrophe XOL premiums ratio 39.4% 42.2% ($ in thousands) Three Months Ended June 30, 2026 2025 Net income $34,146 $27,494 Add: Stock compensation - 10,433 Termination of MSA - 3,000 One-time IPO expenses - 1,654 One-time bonus expenses - 1,387 Executive transition cost 920 - Less: Net realized gains (losses) on investments (2) 485 Change in tax status - 9,722 Tax effect 194 2,467 Adjusted net income $34,874 $31,294 ($ in thousands) Three Months Ended June 30, 2026 2025 Total net premiums earned $104,696 $66,169 Plus: Policy fees 3,711 2,967 Total net premiums earned plus policy fees 108,407 69,136 Losses and loss adj. expense, net $33,151 $21,189 Loss and loss adj. expense ratio (% of net premiums earned plus policy fees) 30.6% 30.6% Less: Current year net catastrophe losses - - Prior year net reserve development - (1,695) Underlying loss and loss adj. expense, net $33,151 $22,884 Net underlying loss and loss adj. expense ratio (% of net premiums earned plus policy fees) 30.6% 33.1% Add: Ceded non-catastrophe loss and loss adj. expense 11,443 12,356 Gross underlying loss and loss adj. expense $44,594 $35,240 Gross underlying loss and loss adj. expense ratio (% of gross premiums earned plus policy fees) 18.1% 15.5% Adjusted Net Income

25 ($ in thousands) Six Months Ended June 30, 2026 2025 Total net premiums earned $186,904 $131,571 Plus: Policy fees 6,456 5,171 Total net premiums earned plus policy fees 193,360 136,742 Losses and loss adj. expense, net $64,876 $42,051 Loss and loss adj. expense ratio (% of net premiums earned plus policy fees) 33.6% 30.8% Less: Current year net catastrophe losses - - Prior year net reserve development - (1,117) Underlying loss and loss adj. expense, net $64,876 $43,168 Net underlying loss and loss adj. expense ratio (% of net premiums earned plus policy fees) 33.6% 31.6% Add: Ceded non-catastrophe loss and loss adj. expense 24,205 26,376 Gross underlying loss and loss adj. expense $89,081 $69,544 Gross underlying loss and loss adj. expense ratio (% of gross premiums earned plus policy fees) 18.6% 15.8% ($ in thousands) Six Months Ended June 30, 2026 2025 Numerator: Net income $54,056 $65,590 Denominator: Average shareholders' equity 353,270 232,133 Return on equity 30.6% 56.5% Numerator: Adjusted net income $54,742 $69,377 Denominator: Average shareholders' equity 353,270 232,133 Adjusted return on equity 31.0% 59.8% Adjusted Net Income Adjusted Return on Equity Non-GAAP Reconciliations Six Months Ended June 30, 2026 vs 2025 ($ in thousands) ($ in thousands) Underwriting Income Net / Gross Underlying Loss and LAE Ratio Ceded Catastrophe Excess of Loss Premiums Ratio Six Months Ended June 30, 2026 2025 Income before taxes $73,679 $67,006 Less: Net investment income 11,902 8,883 Net realized gains (losses) on investments 51 501 Other income 789 259 Underwriting income $60,937 $57,363 Six Months Ended June 30, 2026 2025 Gross premiums earned $473,023 $433,896 Total ceded premiums earned (286,119) (302,325) Less: NCQSR and other ancillary reinsurance treaties (83,130) (120,943) Ceded catastrophe XOL premiums earned $(202,989) $(181,382) Ceded catastrophe XOL premiums ratio 42.9% 41.8% ($ in thousands) Six Months Ended June 30, 2026 2025 Net income $54,056 $65,590 Add: Stock compensation - 10,433 Termination of MSA - 3,000 One-time IPO expenses - 1,654 One-time bonus expenses - 1,387 Executive transition cost 920 - Less: Net realized gains (losses) on investments 51 501 Change in tax status - 9,722 Tax effect 183 2,464 Adjusted net income $54,742 $69,377

26 ($ in thousands) Year Ended December 31, 2025 2024 Numerator: Net income $99,621 $39,742 Denominator: Average shareholders' equity 249,707 148,179 Return on equity 39.9% 26.8% Numerator: Adjusted net income $105,161 $39,648 Denominator: Average shareholders' equity 249,707 148,179 Adjusted return on equity 42.1% 26.8% Adjusted Net Income Adjusted Return on Equity Non-GAAP Reconciliations Year Ended December 31, 2025 vs 2024 ($ in thousands) ($ in thousands) Underwriting Income Net / Gross Underlying Loss and LAE Ratio Ceded Catastrophe Excess of Loss Premiums Ratio Year Ended December 31, 2025 2024 Income before taxes $115,057 $51,039 Less: Net investment income 21,704 14,180 Net realized gains (losses) on investments 569 119 Other income 892 607 Underwriting income $91,892 $36,133 Year Ended December 31, 2025 2024 Gross premiums earned $884,958 $682,216 Total ceded premiums earned (642,035) (500,161) Less: NCQSR and other ancillary reinsurance treaties (248,103) (194,022) Ceded catastrophe XOL premiums earned $(393,932) $(306,139) Ceded catastrophe XOL premiums ratio 44.5% 44.9% ($ in thousands) Year Ended December 31, 2025 2024 Net income $99,621 $39,742 Add: Stock compensation 10,433 - Termination of MSA 3,000 - One-time IPO expenses 1,654 - One-time bonus expenses 1,387 - Post IPO transition expenses 2,287 - Less: Net realized gains (losses) on investments 569 119 Change in tax status 9,722 - Tax effect 2,930 (25) Adjusted net income $105,161 $39,648 ($ in thousands) Year Ended June 30, 2025 2024 Total net premiums earned $242,923 $182,055 Plus: Policy fees 10,397 7,393 Total net premiums earned plus policy fees 253,320 189,448 Losses and loss adj. expense, net $98,034 $90,832 Loss and loss adj. expense ratio (% of net premiums earned plus policy fees) 38.7% 47.9% Less: Current year net catastrophe losses - 32,192 Prior year net reserve development (1,814) (3,187) Underlying loss and loss adj. expense, net $99,848 $61,827 Net underlying loss and loss adj. expense ratio (% of net premiums earned plus policy fees) 39.4% 32.6% Add: Ceded non-catastrophe loss and loss adj. expense 52,522 55,381 Gross underlying loss and loss adj. expense $152,370 $117,208 Gross underlying loss and loss adj. expense ratio (% of gross premiums earned plus policy fees) 17.0% 17.0%

27

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Aug. 11, 2026

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