Universal Insurance Holdings, Inc. (UIH) is a vertically integrated insurance holding company. The Company, through its subsidiaries, is engaged in insurance underwriting, distribution and claims. UIH’s primary product is homeowners insurance. The Company’s subsidiaries include Universal Property & Casualty Insurance Company (UPCIC), which is involved in the insurance business; Universal Risk Advisors, Inc.; Universal Adjusting Corporation, which performs claims adjustment for UPCIC, and Universal Inspection Corporation, which performs property inspections for homeowner’s insurance policies underwritten by UPCIC.