Company: SLDE
Filing Date: 2025-06-18
Form Type: 424B4
Source: 0001193125-25-142810
Chunk: 251

Company: Slide Insurance Holdings, Inc.
Filing Date: 2025-06-18
Form: 424B4
Chunk 251
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     |   | (17,080 | ) |
| Ending balance                    |     | $ |  60,750 |   |     | $ |  41,675 |   |

| 6. | Loss and Loss Adjustment Expenses |

The Company establishes reserves for the estimated total unpaid costs of Loss and loss adjustment expenses (“LAE”). Loss and LAE reserves reflect management’s best estimate of the total cost of (i) claims that have been incurred, but not yet paid in full, and (ii) claims that have been incurred but not yet reported to the Company (“IBNR”). Reserves established by management represent an estimate of the outcome of future events and, as such, cannot be considered an exact calculation of our liability. Rather, loss and LAE reserves represent management’s best estimate of the Company’s liability based on the application of actuarial techniques and other F-16

Slide Insurance Holdings, Inc. Notes to Unaudited Condensed Consolidated Financial Statements (Dollar amounts in thousands, except share and per share amounts, unless otherwise stated) projection methodologies and taking into consideration other facts and circumstances known at the balance sheet date. The process of establishing loss and LAE reserves is complex and inherently imprecise, as it involves the estimation of the outcome of future uncertain events. The impact of both internal and external variables on ultimate losses and LAE costs is difficult to estimate. In determining loss and LAE reserves, the Company gives careful consideration to all available data and actuarial analyses. The Company primarily writes insurance in states which could be exposed to hurricanes or other natural catastrophes. The occurrence of a major catastrophe could have a significant effect on the Company’s results and cause a temporary disruption of the normal operations of the Company. However, the Company is unable to predict the frequency or severity of any such events that may occur in the near term or thereafter. Activity related to the loss and LAE reserves are summarized as follows:

|                               |     | Three months ended March 31, |    2025 |   |     |   |    2024 |   |
|:------------------------------|:----|:-----------------------------|--------:|:--|:----|:--|--------:|:--|
| Balances at January 1         |     | $                            | 595,487 |   |     | $ | 249,567 |   |
| Less reinsurance recoverables |     |                              | 341,051 |   |     |   |