Company: SLDE
Filing Date: 2025-06-18
Form Type: 424B4
Source: 0001193125-25-142810
Chunk: 155

Company: Slide Insurance Holdings, Inc.
Filing Date: 2025-06-18
Form: 424B4
Chunk 155
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 the limit is alongside Purple Re 2024-1 while $142.6 million is above.                                                                                                  |

| • |     | Third Event. We have an additional $62.6 million of coverage in excess of $35 million                                                           
 consolidated retention of loss and loss adjustment expense for a third event. This coverage is in place to protect against frequency of events. |

2024-2025 reinsurance tower Modeled return periods and historical loss estimates (excluding Hurricane Ian) derived from Verisk Touchstone Standard Catalog with Demand Surge. 106

We test the sufficiency of our reinsurance program by subjecting our exposures to
statistical testing based on the most severe hurricanes which have hit Florida using the Verisk U.S. Hurricane Model. Hurricane Ian’s historical loss estimate is calculated by taking the actual losses by county and dividing by the TIV within
those counties at the time of the storm to come up with a loss factor relative to TIV, which was then multiplied by our estimated TIV by county as of September 30, 2024. Based on this testing using Verisk Touchstone, there are no historical Florida
storms that exhaust our first event reinsurance tower and it is estimated that our maximum loss based on known events is $983 million, substantially less than our $1.86 billion first event reinsurance tower, which is a testament to the
strength of reinsurance protection. We also purchase third event reinsurance coverage, which provides $98 million of coverage for third event storms, which is in excess of the two-event coverage that is
typically purchased in the Florida market.

For the twelve months ending May 31, 2025, we have purchased reinsurance from the
following sources: (i) the FHCF, (ii) 30 private reinsurers, which were all rated “A-” or higher by A.M. Best or S&P, (iii) four private reinsurers that have provided collateral to
fully cover their exposure and (iv) a protected cell reinsurer whose shares are owned by Slide Reinsurance Holdings, LLC, our wholly-owned reinsurance subsidiary. Our entire reinsurance program is placed with AM Best “A” rated
reinsurers or better, fully collateralized reinsurers, or the FHCF.

Background and Slide’s Participation in the Citizens Depopulation Program

The Company began to assume policies from Citizens in the second half of 2023. Citizens is the largest homeowners insurer in the state
of Florida as measured by premium in force and acts