# EDGAR Filing Document

**Accession Number:** 0001873951
**File Stem:** 0000000000-25-009451
**Filing Date:** 2025-9
**Character Count:** 7912
**Document Hash:** c85ea4adb927141b264e4d4134777e58
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000000000-25-009451.hdr.sgml**: 20260428

**ACCESSION NUMBER**: 0000000000-25-009451

**CONFORMED SUBMISSION TYPE**: UPLOAD

**PUBLIC DOCUMENT COUNT**: 2

**FILED AS OF DATE**: 20250902

**FILED FOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Exzeo Group, Inc.
- **CENTRAL INDEX KEY:** 0001873951
- **STANDARD INDUSTRIAL CLASSIFICATION:** SERVICES-PREPACKAGED SOFTWARE [7372]
- **ORGANIZATION NAME:** 06 Technology
- **EIN:** 852578837
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** UPLOAD
- **SEC FILE NUMBER:** 377-08300

**BUSINESS ADDRESS:**
- **STREET 1:** 1000 CENTURY PARK DRIVE
- **CITY:** TAMPA
- **STATE:** FL
- **ZIP:** 33607
- **BUSINESS PHONE:** 813-776-1000

**MAIL ADDRESS:**
- **STREET 1:** 1000 CENTURY PARK DRIVE
- **CITY:** TAMPA
- **STATE:** FL
- **ZIP:** 33607

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** TypTap Insurance Group, Inc.
- **DATE OF NAME CHANGE:** 20210720
**PUBLIC REFERENCE ACCESSION NUMBER**: 0000950123-25-007093

## Text-Extract

```

                                                            September 2, 2025

Paresh Patel
Chief Executive Officer
Exzeo Group, Inc.
1000 Century Park Drive
Tampa, FL 33607

        Re: Exzeo Group, Inc.
            Draft Registration Statement on Form S-1
            Submitted August 6, 2025
            CIK No. 0001873951
Dear Paresh Patel:

       We have reviewed your draft registration statement and have the
following comments.

        Please respond to this letter by providing the requested information
and either
submitting an amended draft registration statement or publicly filing your
registration
statement and non-public draft submissions on EDGAR. If you do not believe a
comment
applies to your facts and circumstances or do not believe an amendment is
appropriate, please
tell us why in your response.

      After reviewing the information you provide in response to this letter
and your
amended draft registration statement or filed registration statement, we may
have additional
comments.

Draft Registration Statement on Form S-1
Our Corporate Information, page 6

1.     Please revise this chart to show HCI Group's ownership before and after
the offering.
       Include disclosures that indicate the public ownership, and voting
interests HCI
       Group, Inc, the public, and any other group or entity will have in each
related or
       affiliated entity.
2.     Please revise the statement on page 11 that you outsource claims
management to
       "external vendors or contractors" to clarify, as stated on page 63, that
your claims
       management is outsourced to a subsidiary of your parent company.
Additionally, with
       a view to disclosure, advise us of the business reasons for including
claims
       management among the business operations separating from HCI when those
services
       will still be provided by HCI. To the extent the activities provided by
Griston are
 September 2, 2025
Page 2

       deemed less important or insignificant to the broader claims management
business,
       including the Exzeo Platform, please revise to clarify. Is the claims
management
       business retained by HCI expected to compete with you going forward?
Risk Factors, page 12

3.     Please revise to include a separate risk factor regarding your
concentration of
       customers, which are affiliated with your controlling shareholder.
Consider including
       a reference in the Summary Risk Factors section beginning on page 4.
Certain of our directors and officers may have actual or potential conflicts of
interest..., page
35

4.     Please revise this risk factor to provide a more direct discussion of
the conflicts of
       interests risks inherent in your organizational structure. Include a
discussion here or in
       the Management section with an appropriate cross-reference that
describes what roles
       all of your executive officers and directors have with you and HCI. Also
include a
       discussion of the potential conflicts other employees may have if they
are employed
       by both HCI and you.
Gross Dollar Retention Rate, page 73

5.     Please revise to disclose the amount of managed premiums at the end of
each
       period which is attributable to policyholders active at the end of the
prior calendar
       year, thereby allowing a reader to recalculate the gross dollar
retention rate for each
       period presented.
Summary of Key Performance Metrics
Managed Premium, page 73

6.     Please revise to disclose the amount and/or percentage of total managed
       premiums attributable to insurance policies written in the state of
Florida for each
       period presented.
Cost of Revenue, page 77

7.     We note your disclosure that policy commission and related expenses
increased due to
       growth in managed premiums from your existing customer base, slightly
offset by the
       lower commissions on new and renewal policies in Florida where
commission rates
       are generally lower than in other states due to competitive market
dynamics. In order
       for a reader to better understand the impact of rate changes on cost of
revenue, please
       enhance your disclosure to include the weighted average commission rates
applicable
       in Florida for each period presented.
Management, page 88

8.     Please include disclosure in this section that also describes the
concurrent activities
       your executive officers and directors have with HCI. Disclosures that
appear to be
       material include:
           Whether your named executive officers and directors also serve as
executive
           officers and directors for HCI;
 September 2, 2025
Page 3

             The risk management processes that you utilize to manage the risk
exposure you
           have between the two companies; and
             The amount of director compensation your directors earned from HCI
for the
           fiscal year ended December 31, 2024.
Commercial Agreements between Affiliates of HCI and Exzeo, page 105

9.     Please revise to clarify if this section identifies all of the
commercial agreements
       between you, your affiliates, and HCI's affiliates rather than
indicating that this
       disclosure only includes "certain agreements" with "certain affiliates."
In this regard,
       we note the reference on page 79 to HR, IT, legal, accounting and other
expenses
       allocated to TTIC. With a view to clarifying disclosure, advise us what
agreements
       between you and HCI address how and when these and similar expenses will
be
       transferred or otherwise treated as you transition to a standalone
public company.
10.    We note your disclosure on page 35 that you "have obtained, and may need
to
       continue to obtain, certain administrative and back-office services from
HCI for a
       period of time after this offering." Please describe these services and
their costs in
       greater detail in this section, including disclosing whether you have
any contractual
       relationship for these types of services.
11.    Please revise the description of related party transactions to quantify
the flat fees and
       percentages for payments where you refer them.
       Please contact Marc Thomas at 202-551-3452 or Ben Phippen at
202-551-3697 if you
have questions regarding comments on the financial statements and related
matters. Please
contact Eric Envall at 202-551-3234 or James Lopez at 202-551-3536 with any
other
questions.

                                                              Sincerely,

                                                              Division of
Corporation Finance
                                                              Office of Finance
cc:   Curt Creeley

```

### Attached PDF Documents

**Attachment 1:** `filename1`

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