HCI Group Investor Presentation — May 2020

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NYSE: HCI | May 2020Investor Presentation

2This 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,

2019 filed March 6, 2020. Insurance

ignore technologyInsurance technology has changed

C E N T U R YE A R LY

1900s1960s 1980s T O D A Y

2.Lacks transparency

3.Application & underwriting

process is cumbersomeTraditional insurance

has always faced many

5Entering a New Era of Insurance:

S I G N U PC O N V E N I E N TC O S T

F R I C T I O N L E S S T R A N S P A R E N T R E S P O N S I V E

HCI at a GlanceStock Price (5/4/20) $41.56

Current Price to Book (5/4/20) 1.79x

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