EXHIBIT 31.1


                                 CERTIFICATION



      I, Bradley I. Meier, certify that:


1.  I  have reviewed this quarterly report on Form 10-QSB of Universal Insurance
Holdings, Inc.:

2. Based on my knowledge, this report does not contain any untrue statement of a
material  fact or omit to state a material fact necessary to make the statements
made, in light  of  the circumstances under which such statements were made, not
misleading with respect to the period covered by this report;

3.  Based  on  my knowledge,  the  financial  statements,  and  other  financial
information included in this report, fairly present in all material respects the
financial condition,  results  of operations and cash flows of the registrant as
of, and for, the periods presented in this report;

4.  The registrant's other certifying  officer(s)  and  I  are  responsible  for
establishing  and  maintaining disclosure controls and procedures (as defined in
Exchange Act Rules 13a-15(e) and 15d-15(e)) for the registrant and we have:

      a) designed such  disclosure controls and procedures, or caused such
      disclosure  controls   and  procedures  to  be  designed  under  our
      supervision, to ensure that  material  information  relating  to the
      registrant,  including  its consolidated subsidiaries, is made known
      to  us  by others within those  entities,  particularly  during  the
      period in which this report is being prepared;

      b)  evaluated  the  effectiveness  of  the  registrant's  disclosure
      controls and procedures and presented in this report our conclusions
      about  the  effectiveness of the disclosure controls and procedures,
      as of the end  of  the  period  covered by this report based on such
      evaluation; and

      c) disclosed in this report any change  in the registrant's internal
      control   over   financial  reporting  that  occurred   during   the
      registrant's most  recent  fiscal  quarter  (the registrant's fourth
      fiscal quarter in the case of an annual report)  that has materially
      affected,  or  is  reasonably  likely  to  materially  affect,   the
      registrant's internal control over financial reporting; and

5.  The registrant's other certifying officer(s) and I have disclosed, based  on
our most  recent evaluation of internal control over financial reporting, to the
registrant's  auditors  and  the  audit  committee  of the registrant's board of
directors (or persons performing the equivalent function):

      a)  all  significant  deficiencies  and material weaknesses  in  the
      design  or operation of internal control  over  financial  reporting
      which are  reasonably  likely  to  adversely affect the registrant's
      ability  to  record,  process,  summarize   and   report   financial
      information; and

      b)  any fraud, whether or not material, that involves management  or
      other  employees  who  have  a  significant role in the registrant's
      internal control over financial reporting.



Date:  August 13, 2007                   /s/ Bradley I. Meier
                                         --------------------------------------
                                         Bradley I. Meier
                                         President and Chief Executive Officer