Company: SLDE
Filing Date: 2025-04-25
Form Type: DRS/A
Source: 0000950123-25-003716
Chunk: 17

Company: Slide Insurance Holdings, Inc.
Filing Date: 2025-04-25
Form: DRS/A
Chunk 17
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 $2 billion reinsurance program which allowed insurers to obtain reimbursement for
hurricane losses below the FHCF retention limits, (ii) introduced stricter standards for the award of higher attorney fees in property insurance

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litigation, (iii) created more stringent requirements for AOB and made it possible for a carrier to recover attorney fees when they had a suit dismissed and (iv) created a statutory exception to the Florida building code, making it possible to repair certain roofs instead of replacing them. Subsequently, in December 2022, the Florida Legislature passed Senate Bill 2-Awhich had the effect of (i) eliminating one-wayattorney fees for property claims, (ii) prohibiting AOB, (iii) shortening the time to file/reopen claims from two years to one year, (iv) eliminating attorney fee multipliers and (v) making it more difficult to allege bad faith in insurance suits. These historic tort reforms have significantly improved market conditions in Florida. Removing policies from Citizens has been difficult historically because the policyholder could refuse to leave Citizens if their policy was selected for assumption by the private market. The Florida Legislature also revised the Citizens takeout process to make it easier for private insurers to assume policies from Citizens by eliminating the policyholder’s ability to reject a takeout out offer if the renewal premium in the private market is within 20% of Citizens’ renewal premium. This legislative change has simplified the takeout process and makes it much easier for private insurers to assume policies from Citizens. Given that our business today is primarily concentrated in the Florida homeowners’ and commercial residential market, we believe these legislative developments are constructive to the efficiency and competitive dynamics of the market in which we operate. Summary Risk Factors Our business is subject to numerous risks and uncertainties, including those highlighted in the section titled “ Risk Factors” immediately following this prospectus summary. These risks include the following:

| • |     | Our limited operating history, which make our business and future prospects difficult to evaluate; |

| • |     | Whether our “Slide” brand becomes as widely known as incumbents’ brands or becomes tarnished; |

| • |     | Failure to establish accurate reserves, failure to adjust claims accurately, the denial of claims or our failure 
 to accurately and timely pay claims;                                                                             |

| • |     | Our ability to expand within the United States and additional costs and risks we will be subject to as a result; |

| • |     | Intense competition in the segments of the insurance industry in which we operate; |