Slides
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 N Y S E : H C I | D E C E M B E R 2 0 2 5 Investor Presentation
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Forward-Looking Statement This presentation includes certain forward‐looking statements and information, including statements regarding plans, strategies and expectations of HCI Group, Inc. (“HCI” or the “Company”). When used in this presentation, words such as “believes,” “anticipates,” “expects,” “estimates,” or words of similar meaning are generally intended to identify forward‐looking statements. All statements other than statements of historical fact included in this presentation are forward‐looking statements. These forward‐looking statements are subject to risks, uncertainties, assumptions and other factors, many of which are beyond the control of the Company. Important factors that could cause actual results to differ materially from those expressed or implied by the forward‐looking statements are described in the Company’s filings it makes from time to time with the Securities and Exchange Commission, including within the “Risk Factors” section of the Annual Report on Form 10‐K for the year ended December 31, 2025, filed February 26, 2026. 1
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 $1.36B $80.13 Book Value Per Share (as of 12/31/25) 19.6% Gross Loss Ratio (Full Year 2025) 6% $320M Net Income (Full Year 2025) $22.72 Diluted Earnings Per Share (Full Year 2025) About Us Premiums In-Force (as of 12/31/25) Debt to Capital Ratio (as of 12/31/25) 2
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Highlights 3 A diversified holding company engaged in insurance, reinsurance, real estate, claims services, and insurance technology through majority ownership. Combining technology and industry knowledge to drive profitable growth Allocating capital with purpose and discipline while managing risk Creating long-term value for our shareholders 14% INSIDER OWNERSHIP 2006 founded 61 consecutive quarters of dividends $1.60 annual dividend per share to shareholders (1) As of 12/31/2025 (2) Includes $269M buybacks and $189M dividends 42% TRAILING 12-MONTHS ROE 1 $458M capital returned to shareholders since inception2
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 HCI Organizational Structure 4 Insurance Operations Non- Insurance Operations Insurance Companies Reinsurance Insurance Technology HCI owns 75 million shares, or ~82% ownership, in Exzeo Group (NYSE: XZO) Real Estate Claims Services
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Growing Through Investment & Innovation 2006 2008 2011 2012 2016 2018 20212007 2020 Incorporated Homeowners Choice in Florida Executed first Citizens assumption Launched real estate division Started information technology division Launched TypTap insurance business Introduced TypTapHomeowners product 5 TypTap Insurance Group raises $100M in capital TypTap launches nationwide expansion Formed captive reinsurance division 2023 HCI Group premium in force exceeds $1 billion 2024 Condo Owners Reciprocal Exchange (CORE) commences operations Completed initial public offering 2025 Exzeo Group Inc. becomes publicly traded company (XZO) Tailrow Insurance Exchange commences operations Griston Claim Management is incorporated
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Shareholders Equity (in $M) Steady Improvement $163 $325 $453 $1,041 2022 2023 2024 2025 6 (1) Excludes preferreds Book Value Per Share $18.91 $33.36 $42.10 $80.13 2022 2023 2024 2025 Invested Assets (in $M) $850 $1,057 $1,407 $2,000 2022 2023 2024 2025 Debt Leverage (%) 57% 39% 34% 6% 2022 2023 2024 2025 1
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 HCI Group Investment Portfolio A conservative allocation, positioned for higher rates and opportunistic investments 7 3% 5% 30% 61% 1% Fixed Income Cash Real Estate & Other Equity Limited Partnerships Total invested assets1 $2.0 billion Fixed Income Average Duration ~1.5 year (1) As of 12/31/25
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Insurance Operations 8
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Launched in 2007 Homeowners and condominium owners insurance primarily in Florida Historically has acquired customers through Citizens assumptions and opportunistic acquisitions Track record of consistent underwriting profitability Strong cash flow helps to fund growth initiatives $683M of In-Force Premiums1 Overview of Insurance Companies Launched in 2016 Technology-driven homeowners insurance Utilizes independent agent channel Currently active in 13 states, including Florida Differentiated technology yields best-in-class loss ratio $519M of In-Force Premiums1 9(1) As of 12/31/2025 Commenced operations in 2024 as reciprocal exchange Writes Florida-based commercial residential lines Acquired policyholders through Citizens assumptions Fills gap created by limited condo association coverage and growing demand $33M of In-Force Premiums1 Commenced operations in 2025 as reciprocal exchange Writes Florida-based personal residential lines Acquired policyholders through Citizens assumptions $120M of In-Force Premiums1
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Premium in Force (in $M) Opportunistic Growth with Best-in-Class Florida Underwriting Geographic Footprint $353 $338 $369 $528 $719 $737 $995 $1,226 $1,355 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 (1) Includes Homeowners Choice, TypTap, CORE and Tailrow in-force premiums 1 Best-in-class Florida Underwriter Opportunistically Adding Policies Proactively Managing Risk and Loss Costs Deploying Excess Capital Into Investments & Growth Initiatives
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Loss Ratio 1 A Profitable Homeowners Business 11 (1) Consolidated losses and loss adjustment expenses divided by consolidated gross premiums earned. 42% 33% 23% 20% 51% 33% 35% 20% 2022 2023 2024 2025 Impact of Legislative Reforms in Florida Gross loss ratio has benefitted from a: • 25% decline in claims frequency • 35% decline in litigation frequency Leverage technology to constantly evaluate underwriting criteria • Rate adequacy • Exposure management Legislative reforms have proven effective in improving loss trends in Florida Hurricane Ian Hurricanes Milton, Debby, and Helene Despite four named catastrophe events between 2022 and 2025, HCI Group reported an average ROE of 26% over the period.
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 12 Reinsurance
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Claddaugh Generating Profits for Our Shareholders 13 (1) As of 12/31/25. Excludes the impact of intercompany stop loss agreement. Claddaugh is used to opportunistically manage reinsurance cycles for HCI’s insurance divisions. Since its formation in 2008, Claddaugh has contributed $112M in pre-tax income to HCI. $0 $50 $100 $150 $200 $250 $300 $350 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Cumulative Net Premium Earned Since 2008 1 2
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 14 Real Estate
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Creating Value in Real Estate 15 Greenleaf Capital owns and operates HCI’s real estate portfolio. Its holdings include a set of premier commercial assets in rapidly growing Florida. Acquire properties with differentiated value drivers Optimize capital structure Develop or reposition Reinvest or harvest
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Generating Gains from our Real Estate Portfolio (1) Includes gains associated with bargain purchase (2) Gross proceeds are net of transaction costs and commissions 16 $90M GROSS PROCEEDS Recent Sales Transactions $59M PRE -TAX GAIN PROPERTY LOCATION DATE PURCHASED GROSS PROCEEDS2 BOOK VALUE PRE-TAX GAIN1 Office Building Tampa 2010 $44.0M $7.0M $37.0M Office Building Tampa 2017 $14.5M $1.1M $13.4M Grocery Anchored Retail Eustis, FL 2016 $13.0M $10.6M $2.5M Grocery Anchored Retail Melbourne, FL 2016 $18.0M $11.5M $6.4M $30M BOOK VALUE
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Florida Real Estate Portfolio With Embedded Value (1) Based on appraisals obtained by Fifth Third bank as of 12/31/2025 (2) Net of accumulated depreciation and as of 12/31/2025 (3) As of 12/31/2025 17 OPERATINGUNDER DEVELOPMENT $190M APPRAISED VALUE $123M BOOK VALUE PROPERTY APPRAISED VALUE (1) BOOK VALUE(2) DEBT ON PROPERTY(3) Office Portfolio $61M $35M $4M Anchored Retail 54M 44M $28M Waterfront Specialty Use Portfolio 40M 16M - Properties Under Development 35M 28M -
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 18
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Griston Provides Tailored Claims Solutions 19 An all-in-one claims management solution built for carriers, TPAs, and adjusters Capable of processing daily claims, high-volume events, and catastrophe claims A trusted platform with a long-standing history of efficiently handling thousands of claims Equips insurers with geospatial tools to pinpoint policyholders potentially impacted by an incoming storm Proactive insights support faster resource deployment and immediate claims action, reducing potential delays Enables real-time tracking and reporting across the entire claims process Custom mobile app for efficient field inspections, enabling adjusters to sync inspection data across carriers and cloud platforms, schedule appointments, and contact insureds directly Smart navigation guides adjusters to loss sites automatically, eliminating manual address entry and enabling more inspections All-in-one Claim Management Solution Real-time Claim Tracking Field Inspection Platform
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 An Insurance Technology Company Majority Owned by HCI Group
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Overview of 21 • Over a decade of expertise in developing and training underwriting models proven to consistently deliver superior results compared to industry peers. • Models efficiently process large data sets, distilling them into actionable underwriting insights for carriers. • By making precise decisions at the individual property level, underwriting models help insurers build portfolios focused on profitable risk accumulation. Advanced Underwriting Solutions Data & Analytics Insurance Management Solutions • Exzeo transforms both structured and unstructured data into an actionable format. • Models leverage the curated data to deliver best-in-class underwriting decisions within seconds. • Data-driven approach enhances capabilities across a carrier’s entire organization, including underwriting, portfolio construction, and claims management. • Exzeo designs, markets, underwrites, and administers insurance contracts for carrier partners. • Proprietary technology platform powers every aspect of carriers' daily operations. • Technology is delivered through a flexible, web-based interface, with Exzeo’s suite of applications offering scalable and efficient solutions.
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Technology Built by Insurance Operators for Insurance Operators 22 A team of 175+ experienced developers, data scientists and technology professionals 100% internally developed technology platform powers every aspect of insurance carriers’ day-to-day operations Development and new product rollout closely integrated with operating carriers 2012 Founded 2014 2015 2016 2018 2025 First insurance product is launched- flood insurance Second insurance product is launched – homeowners insurance in Florida Third insurance product is launched – commercial residential condo insurance Exzeo Was Launched in 2012 to Build and Develop HCI’s Entire Technology Stack Launched Launched 2017 Launched 2022 Launched 2024 Launched IPO
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Exzeo Uses Technology to Underwrite at the Individual Property Level 23 Source: S&P Global Market Intelligence, Company filings, statutory filings (1) Net loss ratio = incurred losses and loss adjusting expense (LAE) / net premiums earned Individual property level risk evaluation Optimizing for profitable growth Only write insurance for homes that are expected to be profitable on a standalone basis over the life of the policy Differentiated Strategy 74% 64% P&C Industry Exzeo Customers Over the past 10 years, Exzeo customers have outperformed the broader P&C market by ~10% Average U.S. Homeowners Net Loss Ratio (2015 – 2024)(1)
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Experienced & Focused Leadership Team 24 PARESH PATEL Chairman & Chief Executive Officer, HCI Group ▪ Founder; Chairman since 2007 & CEO since 2011 ▪ Designed HCI’s policy administration systems, leveraging software development experience ▪ Founded NorthStar Bank in 2004 and served as Director (2006-2011) KARIN COLEMAN Chief Operating Officer, HCI Group President, Homeowners Choice and TypTap Insurance Co. ▪ Director since February 2021 ▪ Previously, EVP (2017-2019) and VP of Corp. Services (2009-2017) ▪ Former VP Strategic Alliances, TSIC, Inc. (2001-2009) ▪ Served in various capacities at Florida Progress Corp (NYSE: FPC), a utility holding company, now part of Duke Energy (NYSE: DUK) (1987-2000) KEVIN MITCHELL President, Exzeo Group Inc. ▪ Previously, SVP and VP of Investor Relations (2013-2019) ▪ Former Area Director of Financial Institutions practice at Arthur J. Gallagher (NYSE: AJG) (2008-2013) ▪ Previously, employed by Oswald Companies, one of the nation’s largest independent insurance brokerage firms (2005-2008) MARK HARMSWORTH Chief Financial Officer, HCI Group ▪ CFO since 2017; previously SVP of Finance ▪ Former senior advisor to Stewart Information Services (NYSE: STC) ▪ CFO of First American Title Insurance Company (2006-2011) ▪ Senior EVP of First Canadian Title Insurance Company (2002-2006) ANTHONY SARAVANOS President, Greenleaf Capital ▪ Director since 2007; President of Greenleaf Capital since 2013 ▪ Former VP of full-service real estate firm in Palm Harbor, Florida (2005-2013) ▪ Managing Partner of 13 commercial CRE entities in Florida and New York since 2001 ▪ Director of First Home Bank since 2011; Chairman since 2015 ANDREW GRAHAM General Counsel, HCI Group ▪ General Counsel since 2008 ▪ Served in various capacities, including General Counsel for Trinsic (1999-2007) ▪ Served on Internal Audit Committee of Hillsborough County, Florida, since 2011 ▪ Hillsborough Community College trustee (2007-2011)
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 Delivering Shareholder Value 1) As of 12/31/2025 2) Includes $269M buybacks and $189M dividends 25 >5500% Total Shareholder Return since IPO $458M Capital returned to shareholders since inception2 14% Insider ownership 18% 10-year average ROE1
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Table colors Headings 217 , 217 , 217 Highlights 235 , 244 , 231 Lines 105 , 105 , 105 Color palette Object titles 38, 157, 216 121, 192, 66 38, 157, 216 105, 105, 105 230, 230, 230 28, 64, 79 16, 222, 173 0, 255, 0 28, 64, 79 Soft colors Object titles 212, 227, 242 220, 235, 214 212, 227, 242 218, 218, 218 247, 247, 247 211, 213, 215 211, 244, 231 211, 255, 211 211, 213, 215 26 Contact Us I N V E S T O R R E L AT I O N S C O N TA C T H C I G R O U P, I N C . Nat Otis Tel (813) 405-5341 notis@hcigroup.com 3802 Coconut Palm Drive Tampa, FL 33619 Tel (813) 849-9500 www.hcigroup.com contactus@hcigroup.com