Exhibit 99.1

                                 ADDENDUM NO. 6


            This  Addendum No. 6,  effective  as of December  31,  2003,  by and
between Universal Insurance Holdings,  Incorporated (formerly Universal Heights,
Inc.) (hereinafter the "Company"),  and Bradley I. Meier ("Employee"),  modifies
and amends the existing employment agreement  ("Agreement") and adopts all prior
Addenda  thereto  ("Prior  Addenda")  between the Company and the Employee,  and
amends  provisions  of the  Agreement  and the  Addenda  only in  respect of the
matters set forth herein,  and otherwise the Agreement and Prior Addenda  remain
in full force and effect as if this Addendum No. 6 had not been executed:

            I. In respect of the  parties to the  Agreement  and Prior  Addenda,
Universal  Insurance  Holdings,  Incorporated is the now legal name of Universal
Heights,  Inc.,  the name change having  occurred on December 26, 2001,  and all
reference in the Agreement and Prior Addenda to Universal  Heights,  Inc., shall
now apply with equal force of law to Universal Insurance Holdings, Incorporated.

            II. In respect of "Article 2." of the Agreement entitled "Term," the
"Expiration Date" defined therein is hereby modified and changed to December 31,
2008.
            III.  In  respect  of  "Article  6."  of  the   Agreement   entitled
"Compensation,"  the first  subsection (a) entitled "Base Salary" is modified as
follows:  "the  Employee  shall receive for the 2004 calendar year an additional
twenty (20%) percent increase in his base compensation,  which calculation shall
be made as of the  2003  gross  salary  compensation  (which  2003  compensation
reflects the base  compensation set forth in the Agreement,  plus all cumulative
increases  given through the end of calendar year 2003).  In respect of the 2004
calendar  year twenty (20%)  percent  increase in salary,  same shall be paid in
cash, or shares of the common stock of the Company, or in any combination of the



foregoing as determined  at the election of the Employee,  and as to any portion
to be paid in  shares of stock,  the  number of shares to be issued to  Employee
shall be determined by multiplying  the dollar amount of the increase in salary,
times one half of the closing price of the shares of the Company's  stock at the
close of trading in the market where the Company's shares are traded, on the day
before the  increase  is to be  effective.  In respect  of  calendar  years 2005
through 2008, a likewise  increase in base  compensation  for each calendar year
shall be given to  Employee,  following  the same formula as set forth above for
calendar year 2004.  The election by the Employee to be paid in cash,  shares of
stock, or some  combination  thereof,  shall be an annual election to be made in
each year of the Term of the  Agreement,  and the Employee  must make the annual
election  before ninety (90) days elapse from the date that the annual  increase
is to be effective,  and lacking any specific  election,  the increase  shall be
paid in cash. The failure to make a specific election in any year of the Term of
this  Agreement,  shall not  effect  the right of the  Employee  to make such an
election in future years of the Term of this  Agreement.  The foregoing shall be
in addition to and does not in any way effect the  provisions of Addendum No. 5,
which addendum No.5. continues in full force and effect and which in part states
"In  respect of  `Article  6.' of the  Agreement  entitled  `Compensation,'  the
Employee shall have the right to elect to be paid any or all of his Compensation
in common stock or other equities of the Company" ("Company  Stock"),  including
but not  limited to  vacation  pay,  increase(s)  from base  compensation,  base
compensation or any bonus or additional compensation." (Emphasis added).

            IV.  In the  event  of the  termination  of  this  Agreement  by the
Company,  then the Employee shall be entitled to two (2) years severance payment



of his Compensation, and all of the Fringe Benefits then payable and/or provided
to Employee under the Agreement, as of the day before the termination.

            IN WITNESS WHEREOF, this Addendum No. 6 has been signed and executed
as of January 1, 2004, on this 21st day of April, 2004.

                 UNIVERSAL INSURANCE HOLDINGS, INCORPORATED

                 By:   /s/ Norman M. Meier, Director        Date: April 21, 2004
                    ---------------------------------
                       Director

                 /s/ Bradley I. Meier
                 ------------------------------
                 Bradley I. Meier - Employee