UNIVERSAL INSURANCE HOLDINGS, INC. 8-K

What Happened

• Universal Insurance Holdings, Inc. (UVE) filed an 8-K reporting that it entered into a First Supplemental Indenture with UMB Bank National Association (trustee) dated June 3, 2026, amending the Base Indenture dated November 23, 2021.
• The amendment affects the company’s 5.625% Senior Unsecured Notes due 2026 and was executed after receiving consent from holders of a majority in aggregate principal amount of the outstanding Notes.
• The company filed the full supplemental indenture as Exhibit 4.1 to the 8-K.

Key Details

• Notes affected: 5.625% Senior Unsecured Notes due 2026.
• Trustee: UMB Bank National Association; First Supplemental Indenture date: June 3, 2026.
• Change 1: Shortens minimum redemption notice from not less than 30 days to not less than 5 days before the redemption date.
• Change 2: Permits the company to issue conditional notices of redemption (redeeming only if specified conditions are met) and to delay or withdraw a notice if conditions are not satisfied or are waived.

Why It Matters

• These changes give the company more operational flexibility when redeeming the notes — it can act faster (shorter notice) and tie redemptions to specific conditions (reducing execution risk).
• For bondholders, shorter notice windows and conditional redemptions can affect reinvestment planning and market liquidity for the notes; investors should watch for future redemption notices.
• The amendment modifies redemption mechanics only; it does not change the coupon rate or stated maturity in the filing.