Company: SLDE
Filing Date: 2025-06-18
Form Type: 424B4
Source: 0001193125-25-142810
Chunk: 139

Company: Slide Insurance Holdings, Inc.
Filing Date: 2025-06-18
Form: 424B4
Chunk 139
---
 point estimate within a relevant range of indications that we calculate using generally accepted actuarial techniques. Our selection of the point estimate is influenced by the analysis of our paid losses and incurred losses since inception, as well as industry information relevant to the population of exposures drawn from Citizens. At our current level of experience, industry information strongly influences the basis for estimates of claims related factors. We expect that our loss experience will be of growing significance in future periods. Our reserves as of December 31, 2024 were in excess of the reserves estimated and evaluated by our Chief Actuarial Officer to be necessary to meet the requirements of the insurance laws of Florida, be consistent with reserves computed in accordance with accepted loss reserving standards and principles, and make a reasonable provision for all unpaid loss and loss adjustment expense obligations under the terms of our contracts and agreements. In addition to $111.7 million of recorded case reserves, we recorded $483.8 million of IBNR reserves as of December 31, 2024 to achieve overall reserves of $595.5 million. 96

The process of establishing our reserves is complex and necessarily imprecise, as it involves using judgment that is affected by many variables. We believe a reasonably likely change in almost any of the factors we evaluate as part of our loss reserve analysis could have an impact on our reported results, financial position and liquidity. The following table quantifies the impact of changes in our loss reserves on our net income, stockholders’ equity and liquidity as of and for the year ended December 31, 2024.

|                                     |     | Actual | (dollars in thousands) |     | Low      
 Estimate |         |     | %      
 Change 
 from   
 Actual |       |    |     | High     
 Estimate |         |     | %      
 Change 
 from   
 Actual |       |    |
|:------------------------------------|:----|:-------|-----------------------:|:----|:---------|--------:|:----|:-------|------:|:---|:----|:---------|--------:|:----|:-------|------:|:---|
| Loss Reserves                       |     | $      |                595,487 |     | $        | 424,462 |     |        | (28.7 | )% |     | $        | 636,096 |     |        |   6.8 | %  |
| Impact on:                          |     |        |                        |     |          |         |