Universal Insurance Holdings SMS Terms & Privacy Notice

Please read the following SMS Terms & Privacy Notice carefully. Universal Insurance Holdings and its affiliates identified below (collectively, the “Company”) offer Short Messaging Service (“SMS”) text messaging programs. The affiliates include:

• Universal Property & Casualty Insurance Company
• American Platinum Property and Casualty Insurance Company
• Evolution Risk Advisors, Inc.
• Atlas Premium Finance Company
• Alder Adjusting Corporation
• Wicklow Inspection Corporation
• Clovered, Inc.
• Blue Atlantic Reinsurance Corporation
• Assurance Systems, Inc.
• Coastal Homeowners Insurance Specialists, Inc.

Depending on the selections you make when opting in, SMS messages may include: (1) security and verification messages, including one-time verification codes; and/or (2) policy and account notifications, including claim and inspection updates, policy notifications, and payment reminders. Your consent applies only to the SMS message category or categories you affirmatively select.

Participation in the Company’s SMS programs is optional. You are not required to consent to receive SMS messages as a condition of purchasing or maintaining an insurance policy or obtaining services from the Company. Message frequency varies depending on your account activity and the services you use. If you choose not to receive SMS messages, important policy, claim, billing, and account communications will continue to be provided through existing communications methods, including mail and, where authorized by you, email. Customers who have established an online account may also review policy and claim information through the customer portal of their insurer's website.

The Company respects the privacy of information collected in connection with its SMS programs. Mobile telephone numbers, SMS opt-in data, and messaging consent information will not be sold or shared with third parties or affiliates for their own marketing or promotional purposes. This restriction does not prohibit disclosure to service providers that assist the Company in providing or administering its SMS programs, or disclosures otherwise required or permitted by law. The SMS Terms & Privacy Notice applies specifically to information collected and used in connection with the Company’s SMS programs. For additional information regarding the Company’s collection, use, disclosure and protection of customer information, please review the Company privacy policy online.

The Company does not have a separate charge for this service; however, message and data rates may apply from your mobile carrier. By providing your consent to participate in this program, you approve any such charges from your mobile carrier. Charges for text messages may appear on your mobile phone bill or be deducted from your prepaid balance. The Company reserves the right to terminate this SMS service, in whole or in part, at any time without notice. The information in any message may be subject to certain time lags and/or delays. Carriers are not liable for delayed or undelivered messages.

If you have any questions or need help, text HELP to 87457 or call (800) 425-9113. Messages sent to 87457 are machine-monitored for supported keyword responses, including HELP, STOP, and START. Other free-form responses may not be received, monitored, or acted upon by the Company. To stop receiving messages from an SMS program at any time, text STOP to 87457. Following a request to unsubscribe, you may receive one final message from the Company confirming that you have been unsubscribed. Following that confirmation message, no additional messages will be sent from the applicable SMS program unless you subsequently opt in again.

You may also manage your SMS communication preferences by logging into your account, navigating to “My Settings,” selecting your phone number, and updating your communication preferences. To re-activate an SMS subscription, follow the applicable enrollment process or text START to 87457 where available. By re-activating your subscription, you reaffirm your agreement to these SMS Terms & Privacy Notice, as they may be updated from time to time and posted on our website.

The Company may use an automatic dialing system to deliver text messages to you. The Federal Communications Commission defines an "automatic telephone dialing system" or autodialer as equipment that has the capacity to store or produce telephone numbers to be called and to call such numbers (47 C.F.R. § 64.1200). By your subscription to the text message program, you give your consent to the Company to use an automatic dialing system to deliver text messages to the telephone or cell phone number to which you have directed the Company to transmit these text messages.

AT&T, Verizon Wireless, Sprint, T-Mobile USA, Aio Wireless, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Boost Mobile, Carolina West Wireless, CellCom, Cellular One of East Central IL (ECIT), Cellular One of Northeast Arizona, Cellular One of Northeast Pennsylvania, Chariton Valley Cellular, Cricket, Coral Wireless (Mobi PCS), Cross, C-Spire (CellSouth), Duet IP (Maximum Communications New Core Wireless), Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Google Voice, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Metro PCS, Mosaic (Consolidated or CTC Telecom), MTA Communications, MTPCS (Cellular One Nation), Nex-Tech Wireless, Panhandle Communications, Peoples Wireless, Pine Cellular, Pioneer, RINA, Sagebrush Cellular (Nemont), SI Wireless/Mobile Nation, Simmetry (TMP Corporation), SouthernLinc, SRT Wireless, Thumb Cellular, Union Wireless, United Wireless, U.S. Cellular, Viaero Wireless, Virgin Mobile, and West Central (WCC or 5 Star Wireless). Additional carriers may be added.

Local Puerto Rico carriers Claro and PR Wireless are not reachable using short codes. Puerto Rico users on AT&T, T-Mobile or Sprint may receive short code SMS from a US short code, however delivery is not guaranteed. Short code SMS to Verizon is not supported in Puerto Rico.

Canada: Bell (including NorthernTel, Solo Mobile, and Telebec), Fido, MTS, Rogers, SaskTel, Telus (including Koodo Mobile and Public Mobile), Videotron, Virgin Mobile, and Wind.