UNITED STATES
                             Washington, D.C. 20549


                                    FORM 8-K
                                 CURRENT REPORT

     Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

       Date of Report (Date of earliest event reported): October 28, 2002

                         Commission File Number 0-20848

                           (Exact name of registrant)

               Delaware                                65-0231984
               --------                                ----------
       (State of incorporation)           (I.R.S. Employer Identification No.)

                        2875 N.E. 191st Street, Suite 300
                              Miami, Florida 33180
              (Address of principal executive offices and zip code)

                                 (305) 792-4200
                         (Registrant's telephone number)


Item 4. Changes in Registrant's Certifying Accountant.

        Effective October 28, 2002, the Company engaged Blackman Kallick
Bartelstein LLP as its new independent auditors.

        During the  Company's  two most recent  fiscal years ended  December 31,
2001,  and the subsequent  interim period through  October 28, 2002, the Company
did not consult with  Blackman  Kallick  Bartelstein  LLP  regarding  any of the
matters or events described in Item 304(a)(2)(i) and (ii) of Regulation S-B.


         Pursuant to the requirements of the Securities Exchange Act of 1934,
the registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.

                                   UNIVERSAL INSURANCE HOLDINGS, INC.

Dated: October 30, 2002             By:/s/ Bradley I. Meier
                                       Bradley I. Meier
                                       President and Chief Executive Officer