RenaissanceRe 2025 Sustainability Report A Message From Our CEO About This Report Sustainability Strategy Our Portfolio Our Partnerships Our People Our Operations Our Communities Our Governance Metrics and Performance Looking Ahead Appendix 17 Claims Claims are where our underwriting promise is realized in practice. Our claims function is central to how we deliver on our value proposition, providing timely, transparent and professional support to clients when it matters most: • We have paid over $35B in claims since our inception. • We have built a reputation for being there for our clients when it matters most. • We respond to claims with respect, responsiveness and transparency. Claims Insights Insights from claims experience are systematically fed back into our underwriting and risk modeling processes, supporting continuous improvement in how we assess and price risk. This feedback loop strengthens our understanding of emerging risks, including climate- related trends, and supports more informed underwriting and portfolio management decisions. SPOTLIGHT Hurricane Response Hurricane Melissa made landfall in Jamaica on October 28, 2025, as a Category 5 storm with reported maximum sustained winds of 185 mph, the strongest hurricane to strike the island since records began in 1851, and one of the most powerful Atlantic landfalls ever recorded. It knocked out power and telecommunications for approximately 75% of the island. Industry insured losses were estimated to be between $3 and $5 billion; and economic losses threatened to exceed Jamaica's entire GDP of approximately $20 billion. RenaissanceRe's proprietary models incorporated Jamaica's exposure profile. We provided timely payments to clients, supporting their liquidity at the moment it mattered most. The insights from the event were simultaneously fed back into our hazard models, helping to refine our view of risk for future underwriting cycles. This integrated approach, from modeling to claims, supports continuous improvement in how we assess, price and manage climate-related risks. Peter McLoughlin Group Head of Claims Our reputation is built on our promise to be there for our clients when they need us most. We operate with integrity and understanding, delivering consistent, reliable service while evaluating, analyzing and paying claims as a matter of priority.” Peter McLoughlin SVP, Group Head of Claims Our reputation is built on our promise to be there for our clients when they need us most. We operate with integrity and understanding, delivering consistent, reliable service while evaluating, analyzing and paying claims as a matter of priority.”