EXHIBIT 31.2

  CERTIFICATION PURSUANT TO RULE 13A-14 OF THE SECURITIES EXCHANGE ACT OF 1934
      AS ADOPTED PURSUANT TO SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002

I, James M. Lynch, certify that:

1.   I  have  reviewed this Quarterly Report on Form 10-Q for the fiscal quarter
     ended  June   30,   2008   of   Universal  Insurance  Holdings,  Inc.  (the
     "Registrant");

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  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)) and internal control  over
     financial reporting  (as  defined  in Exchange Act Rules 13a-15(f) and 15d-
     15(f)) 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)   designed  such  internal  control over financial reporting, or caused
           such internal control over  financial  reporting to be designed under
           our  supervision,  to  provide  reasonable  assurance  regarding  the
           reliability of financial reporting and the preparation  of  financial
           statements   for  external  purposes  in  accordance  with  generally
           accepted accounting principles;

     (c)   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

     (d)   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 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 functions):

     (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 8, 2008                /s/ James M. Lynch
                                            -----------------------
                                            James M. Lynch
                                            Chief Financial Officer