UNIVERSAL INSURANCE HOLDINGS, INC. LAUNCHES UNIVERSAL DIRECT IN DELAWARE AND GEORGIA

Fort Lauderdale, FL, September 8, 2016 - Universal Insurance Holdings, Inc. (NYSE: UVE) announced today that Universal DirectSM (www.universaldirect.com), its Direct-to-Consumer online platform for Universal Property & Casualty Insurance Company ("UPCIC") products, is now available to homeowners in Delaware and Georgia. With the addition of Delaware and Georgia, Universal DirectSM is now available in seven states, including Indiana, South Carolina, Pennsylvania, Minnesota and Alabama. Independent appointed agents operating in Delaware and Georgia have the opportunity to receive commissions from policies written by UPCIC via Universal DirectSM.

Sean P. Downes, the Company's Chairman and Chief Executive Officer, stated, "The expansion of Universal DirectSM into Delaware and Georgia, where we recently wrote our first policies through the platform, is another important step in our effort to broaden our online footprint in new and attractive markets. The positive momentum we’ve experienced with Universal DirectSM to date is indicative of consumers’ growing preference for the convenience and flexibility offered by Universal Direct’sSM robust, easy-to-use online platform. We look forward to leveraging this innovative platform to drive organic, profitable business and help simplify the process of purchasing homeowners insurance for our customers.”

For additional information about Universal DirectSM, please visit www.universaldirect.com.

About Universal Insurance Holdings, Inc.
Universal Insurance Holdings, Inc., with its wholly-owned subsidiaries, is a vertically integrated insurance company performing all aspects of insurance underwriting, distribution and claims. Universal Property & Casualty Insurance Company (UPCIC), a wholly-owned subsidiary of the Company, is one of the leading writers of homeowners insurance in Florida and is now fully licensed and has commenced operations in North Carolina, South Carolina, Hawaii, Georgia, Massachusetts, Maryland, Delaware, Indiana, Pennsylvania, Minnesota, Michigan and Alabama. For additional information on the Company, please visit our investor relations website at www.universalinsuranceholdings.com.

Forward-Looking Statements and Risk Factors
This press release may contain "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. The words "believe," "expect," "anticipate," and similar expressions identify forward-looking statements, which speak only as of the date the statement was made. Such statements may include commentary on plans, products and lines of business, marketing arrangements, reinsurance programs and other business developments and assumptions relating to the foregoing. Forward-looking statements are inherently subject to risks and uncertainties, some of which cannot be predicted or quantified. Future results could differ materially from those described, and the Company undertakes no obligation to correct or update any forward-looking statements. For further information regarding risk factors that could affect the Company's operations and future results, refer to the Company's reports filed with the Securities and Exchange Commission, including Form 10-K for the year ended December 31, 2015.



Investor Contact:
Andy Brimmer / Mahmoud Siddig
Joele Frank, Wilkinson Brimmer Katcher
212-355-4449