Investor Presentation Q2 2023

Forward-Looking Statement

This presentation includes certain forward‐looking statements and information, including statements regarding plans, strategies and expectations of HCI Group, Inc. ("HCI" or the "Company"). When used in this presentation, words such as "believes," "anticipates," "expects," "estimates," or words of similar meaning are generally intended to identify forward‐looking statements. All statements other than statements of historical fact included in this presentation are forward‐looking statements. These forward‐looking statements are subject to risks, uncertainties, assumptions and other factors, many of which are beyond the control of the Company. Important factors that could cause actual results to differ materially from those expressed or implied by the forward‐looking statements are described in the Company's filings it makes from time to time with the Securities and Exchange Commission, including within the "Risk Factors" section of the Annual Report on Form 10‐K for the year ended December 31, 2022, filed March 10, 2023.

Property & Casualty	Insurance
Insurance	Technology

HCI at a Glance

1. All data as of 6/30/2023 except where noted
2. As of 8/11/23

Investment Thesis

An insurance holding company with operations in Homeowners Insurance, Information Technology Services, Reinsurance, and Real Estate

Combining technology and industry knowledge to drive profitable growth

Allocating capital with purpose and discipline while managing risk

Creating value for our shareholders

2006 founded

58/63 profitable quarters

12%

TEN-YEAR ROE1

21%

INSIDER OWNERSHIP

~80% of market cap returned to shareholders2

Growing Through Investment & Innovation

HCI transitions polices in 4 Northeast states from UIHC

HCI transitions all

policies from Anchor

Insurance

TypTap insurance

HCI Group premium

in force exceeds

$700 million

TypTap approved

in 20 states

Launched

group raises

$100M in capital

TypTap insurance

business

Gulfstream P&C