{"filings":[{"id":746478,"accession_number":"0001401521-26-000033","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2026-05-29T20:04:41+00:00","items":["5.07"],"status":"ready","headline":"American Coastal shareholders reelect Class B directors, ratify Deloitte & Touche as auditor for 2026","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All five Class B director nominees elected with large majorities; Alec L. Poitevint II received 34,034,347 votes for.","Ratification of Deloitte & Touche, LLP as independent auditor for FY2026 passed with 42,667,555 votes for.","42,734,499 shares voted out of 48,342,811 outstanding, representing ~88% turnout.","No other proposals were voted on at the annual meeting.","Broker non-votes of 8,386,531 shares recorded on director elections."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":470758,"accession_number":"0001401521-26-000031","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2026-05-15T20:07:25+00:00","items":["8.01"],"status":"ready","headline":"ACIC renews 2026/27 catastrophe reinsurance with $1.918B limit, 14.4% increase, cost down 11.1%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Purchased $1.918B occurrence-based limit aggregate, up $241.5M or 14.4% from prior year.","First event retention of $49M (15.4% of equity); second event retention $25M; both up from 2025/26.","Provisional cost of excess-of-loss programs $179.5M, down 11.1% from $201.85M; max reinstatement premium $0.9M, down 84%.","Placed new multi-year catastrophe bonds ($200M total) and 15% external quota share with A+ rated reinsurer.","FHCF coverage elected at 90% providing $571.5M Florida-only layer attaching at $363.7M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":92638,"accession_number":"0001401521-26-000027","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2026-05-05T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"ACIC Q1 2026 core EPS $0.39 misses estimate; premiums down 24.5% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Core income $19.3M ($0.39) vs $20.7M ($0.42) YoY; consensus $0.44.","Gross premiums written $149.4M (-24.5% YoY); net premiums earned $65.6M (-3.9%).","Combined ratio 66.0% (up 1 pt); underlying combined ratio 68.3% nearly flat.","Book value per share $6.86 (+27.1% YoY); tangible BV per share $5.57 (+6.7% QoQ).","Florida commercial property market softening; average premiums down 16.6% in March YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":0.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":71224000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103611,"accession_number":"0001401521-26-000013","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2026-02-20T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"American Coastal Insurance announces director exit, board nominee, and new Chief Underwriting Officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Director Sherrill W. Hudson will not seek re-election at the 2026 annual meeting; no disagreement with the company.","Board nominates Deirdre A. Brown, CPA, to fill the vacancy; she has served on insurance subsidiary board since 2024.","Troy Crawford appointed Chief Underwriting Officer, effective Feb 17, 2026; previously held same role at Amcoastal since Jan 2025.","Crawford entered an employment agreement with one-year initial term, base salary, bonus eligibility, and non-solicit provisions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103610,"accession_number":"0001401521-26-000008","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2026-02-19T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"ACIC Q4 core EPS $0.52 beats $0.41 estimate; combined ratio 58.6% vs 70.3%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Core income $25.8M ($0.52/diluted share) versus $6.0M ($0.12) a year ago; analyst consensus was $0.41.","Net premiums earned $79.3M (+7.9% YoY); total revenue $86.4M (+9.0% YoY).","Combined ratio improved to 58.6% from 91.9% YoY, which included Hurricane Milton's $20.5M retention.","Book value per share $6.51, up 33.1% YoY; declared $0.75 special dividend in Q4 2025.","Renewed AOP catastrophe reinsurance Jan 1, 2026 with risk-adjusted rate decrease; ACES Specialty pending approval; AmRisc partnership starts March 1, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":2.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":335439000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103609,"accession_number":"0001401521-26-000005","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2026-01-14T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"American Coastal Insurance posts new investor presentation for analyst meetings","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Presentation made available January 14, 2026 for investor and analyst meetings.","No financial results or strategic updates disclosed in the filing itself.","Presentation contains forward-looking statements and cautionary language.","Available on company website at https://investors.amcoastal.com/events-and-presentations."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":103608,"accession_number":"0001401521-26-000003","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2026-01-07T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"American Coastal renews catastrophe reinsurance with $95.6M AOP and $40M CAT Agg coverage","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Renewed AOP CAT agreement effective Jan 1, 2026: $95.6M occurrence limit excess of $10M attachment point.","AOP CAT cost ~$11.4M; retention $10M per occurrence net of quota share.","Renewed CAT Agg agreement: $40M aggregate limit ($20M per occurrence cap) after $40M annual deductible.","CAT Agg cost ~$4.9M; covers named windstorms, severe convective storms, winter storms for full year 2026.","Reinsurance renewals apply to in-force, new and renewal business through AmCoastal."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119877,"accession_number":"0001401521-25-000135","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2025-12-01T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"American Coastal declares special cash dividend of $0.75 per share","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Special dividend of $0.75 per share of common stock declared by Board of Directors.","Payable on January 9, 2026 to shareholders of record as of January 2, 2026.","Ticker ACIC; insurance holding company of American Coastal Insurance Company."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":119876,"accession_number":"0001401521-25-000130","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"American Coastal Q3 net income $32.5M ($0.65 EPS); core EPS $0.61 beats est. $0.39","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net premiums earned $80.8M (+8.5% YoY); total revenue $90.4M (+10.1%).","Combined ratio improved to 56.9% from 57.7%, below 65% target; core income $30.5M.","Book value per share $6.71 (+24.7% YoY); tangible book value $5.41.","Florida commercial property market softening; avg premiums down 13% in September.","Launched new product for assisted & independent living facilities in Florida (property only)."],"consensus_eps_estimate":null,"consensus_eps_actual":1.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":249064000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":136442,"accession_number":"0000950170-25-103972","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2025-08-06T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"ACIC Q2 net income $26.4M; core EPS $0.54 beats $0.38; combined ratio 60.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Core income $26.8M ($0.54 diluted) vs $19.6M ($0.40) YoY, beating analyst estimate of $0.38.","Combined ratio 60.6% vs 64.9% YoY; underlying combined ratio (ex-cat & PY dev) 62.2%, below 65% target.","Net premiums earned $78.4M, up 23.8% YoY, driven by quota share reduction from 40% to 15%.","Stockholders' equity rose $56.6M to $292.3M ($6.00 BVPS) from Dec 2024; tangible book value $4.68.","KBRA upgraded ACIC to BBB- (investment grade) on 7/21, saving ~$1.5M/year interest. No cat losses in Q2."],"consensus_eps_estimate":null,"consensus_eps_actual":0.96,"consensus_revenue_estimate":null,"consensus_revenue_actual":158669000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153597,"accession_number":"0001401521-25-000110","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2025-05-29T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"ACIC renews 2025/26 Core CAT program with $1.676B limit, 12.2% risk-adjusted cost decrease","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Occurrence-based limit increased 3.9% to $1.676B; first event limit up 5.4% to $1.33B.","Sufficient coverage for approx. 1-in-201-year event; second event retention up to $18.5M.","Risk-adjusted open market rate decreased 12.2%; max reinstatement premium down 64% to $5.9M.","Placed external 15% quota share with A+ rated reinsurer; FHCF coverage elected at 90% for Florida.","First event retention $29.75M (12.6% of equity), with $14M retained by AmCoastal and $15.75M by captive."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153596,"accession_number":"0001401521-25-000105","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2025-05-22T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"ACIC stockholders elect four Class A directors, ratify Deloitte, approve say-on-pay at 2025 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Class A directors elected: R. Daniel Peed, Gregory C. Branch, Michael R. Hogan, Kent G. Whittemore; each >88% support of votes cast.","Ratification of Deloitte & Touche as auditor for FY2025 passed with 41,357,111 For vs 18,236 Against.","Advisory say-on-pay approved with 32,203,753 For (99.5% of votes cast excluding broker non-votes).","Advisory vote on frequency: three-year interval chosen with 20,653,310 votes (63.9% of votes cast)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153595,"accession_number":"0001401521-25-000072","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2025-05-08T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"American Coastal Q1 core EPS $0.42 vs $0.50 YoY; combined ratio 65%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net premiums earned $68.3M, up 9.0% YoY; total revenue $72.2M, +8.4%.","Core income $20.7M ($0.42 diluted), down 15.3% YoY on higher policy acquisition costs.","Combined ratio 65.0% (target) vs 53.2% a year ago; underlying combined ratio 68.2%.","Book value per share $5.40, up 26.5% YoY; tangible book value $4.06 per share.","Sold Interboro Insurance April 1 for over $26M cash; reinsurance renewal progress by June 1."],"consensus_eps_estimate":null,"consensus_eps_actual":0.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":72202000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":153594,"accession_number":"0001401521-25-000039","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2025-04-01T23:59:59+00:00","items":["2.01","9.01"],"status":"ready","headline":"American Coastal completes sale of Interboro Insurance to Forza for $26.4M","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Sold 100% of Interboro Insurance Company to Forza Insurance Holdings on April 1, 2025.","Received $26.4M consideration based on estimated GAAP equity at closing.","Final true-up based on finalized GAAP equity expected in ~30 days.","Stock purchase agreement was previously filed on May 14, 2024 Form 8-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172306,"accession_number":"0001401521-25-000026","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2025-03-03T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"American Coastal Insurance Files 8-K Furnishing Investor Presentation for Raymond James Conference","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Company furnished investor presentation on March 3, 2025 for Raymond James Conference taking place March 2-5, 2025.","Presentation is available on company website at https://investors.amcoastal.com/news-market-data/presentations/default.aspx.","Exhibit 99.1 contains the investor presentation used in meetings with investors and analysts starting March 3, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172305,"accession_number":"0001401521-25-000024","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2025-02-27T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"ACIC Q4 core EPS $0.12 misses estimates, hit by Hurricane Milton losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 core income $6.0M ($0.12 diluted) vs analyst estimate $0.16; down 66.7% YoY.","Combined ratio 91.9% due to 27.8 points from Hurricane Milton; net cat losses $20.4M.","FY24 combined ratio 67.5%, near 65% target; net premiums earned up 49.6% to $73.5M.","Declared $0.50 special dividend during Q4; book value per share $4.89.","Launched new apartment product (19 policies, $2.3M premium); placed $200M cat bond oversubscribed."],"consensus_eps_estimate":null,"consensus_eps_actual":1.54,"consensus_revenue_estimate":null,"consensus_revenue_actual":296657000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172304,"accession_number":"0001401521-25-000021","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2025-02-12T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"American Coastal Insurance appoints B. Bradford Martz as CEO; Peed becomes Executive Chairman","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["B. Bradford Martz, previously President and CFO, named CEO and President effective February 11, 2025.","R. Daniel Peed transitions from CEO and Chairman to Executive Chairman, focusing on strategic guidance.","Martz's base salary increased to $700,000 from $525,000, effective February 11, 2025.","Annual Incentive Plan target raised to $700,000 from $360,000; LTIP target raised to $1,050,000 from $725,000."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":172303,"accession_number":"0001401521-25-000003","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2025-01-07T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"ACIC renews AOP CAT reinsurance with lower costs and attachment point; adds CAT Agg","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Renewed AOP CAT effective Jan 1, 2025: $90M limit excess of $10M attachment point (down $4M from $14M YoY).","AOP CAT cost ~$11.9M, risk-adjusted -8% YoY; aggregate coverage $176.4M for two events, +2.6% YoY.","New CAT Agg agreement: $40M aggregate limit (with $20M per occurrence cap) excess of $40M deductible, cost ~$6.6M.","Consolidated retention $9.8M per occurrence via Shoreline Re participation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189302,"accession_number":"0001401521-24-000121","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2024-12-04T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"American Coastal posts investor deck; presentation content not provided in excerpt","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filing on December 4, 2024 announces investor day presentation made available on company website.","Only cover slide and forward-looking statement disclaimer are included in the exhibit text supplied.","No financial figures, strategic targets, or operational updates are available from the provided material.","Investors should consult the full presentation at investors.amcoastal.com for substantive details."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189301,"accession_number":"0001401521-24-000115","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2024-11-06T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"American Coastal Q3 core EPS $0.54 vs est $0.15; book value $5.38; guides FY24 net income $75-80M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 core income $26.9M ($0.54), +73.6% YoY, vs analyst estimate $0.15; combined ratio 57.7% vs 62.7%.","Net premiums earned $74.5M, +48.2% YoY, driven by reduced quota share cession from 40% to 20% eff June 1, 2024.","Hurricane Milton estimated net loss $20.5M pre-tax; full reinsurance tower intact with net retention $10.3M after tax.","Book value per share $5.38, +93.5% YoY; underlying book value $5.63; stockholders' equity $259.6M.","FY 2024 guidance: net income from continuing ops $75-80M; Q4 net income $4.6-9.6M including Milton losses."],"consensus_eps_estimate":null,"consensus_eps_actual":1.44,"consensus_revenue_estimate":null,"consensus_revenue_actual":217390000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":189300,"accession_number":"0001401521-24-000110","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2024-10-04T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"ACIC recasts 2023 financials to classify Interboro as discontinued operations","summary_kind":"llm","event_type":"other_material","confidence":"medium","bullets":["Interboro Insurance Company classified as discontinued operations due to pending sale to Forza Insurance Holdings, LLC.","Company now operates under a single reportable segment following agreement to sell IIC.","2023 Form 10-K recast includes revised financial statements and MD&A, effective October 4, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":205792,"accession_number":"0001401521-24-000097","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2024-08-07T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"ACIC Q2 core EPS $0.40 beats consensus $0.30; book value $4.63; guides FY net income $85M-$95M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Core EPS $0.40 vs analyst estimate $0.30; book value per share $4.63 vs est $4.58.","Net income from continuing ops $19.1M ($0.39 diluted), down 10.2% YoY; core income $19.6M.","Combined ratio 64.9% (est 74.3%), up 1.8 pts YoY; underlying combined ratio 66.4%.","Agreement to sell Interboro Insurance (IIC) to Forza; closing expected Q1 2025; IIC in discontinued ops.","FY2024 guidance: net income from continuing ops $85M-$95M, net premiums earned $285M-$300M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.87,"consensus_revenue_estimate":null,"consensus_revenue_actual":135254000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222768,"accession_number":"0001401521-24-000087","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2024-05-29T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"American Coastal renews catastrophe reinsurance; AmCoastal limit up 10%, cost down 8.5%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["AmCoastal purchased $1.454B occurrence limit (+10% from $1.322B) covering Florida windstorms.","AmCoastal first event retention rose to $20.5M (AmCoastal $10M + captive $10.5M, vs $2.3M captive previously).","AmCoastal total program cost $208.2M, down $19.3M (8.5%) from prior year.","IIC catastrophe limit $82.5M (+1%), aggregate limit $165M (+44.7%); cost $8.2M, down 9.7%.","AmCoastal placed external 20% quota share with A+ rated unaffiliated reinsurer."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222767,"accession_number":"0001401521-24-000074","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2024-05-16T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Stockholders approve 2020 Omnibus Incentive Plan and elect five Class B directors","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Plan approved with 29.3M for, 295k against; authorizes 4,000,000 shares for equity awards.","Five Class B directors elected for two-year terms: Alec L. Poitevint II, Kern M. Davis M.D., William H. Hood III, Sherrill W. Hudson, Patrick F. Maroney.","Deloitte & Touche ratified as independent auditor for 2024 with 39.5M for (99.95% of votes cast).","A total of 39.7M shares (83.0% of outstanding) present or represented at the meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222766,"accession_number":"0001401521-24-000045","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2024-05-14T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"ACIC agrees to sell subsidiary Interboro Insurance to Forza at equity value; subject to NYDFS approval","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["ACIC to sell 100% of Interboro Insurance Company to Forza Insurance Holdings.","Purchase price equals IIC's GAAP shareholders' equity at closing; no fixed dollar amount given.","Closing conditions include NYDFS approval of Forza's acquisition of control and new rate/form filing.","Concurrent service agreements with SageSure for policy administration and claims services."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":222765,"accession_number":"0001401521-24-000038","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2024-05-09T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"American Coastal Insurance Q1 core income down 20.9% to $0.50/share; combined ratio improves to 58.3%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Core income (non-GAAP) $24.3M ($0.50), down 20.9% YoY from $30.7M ($0.70).","Gross premiums earned rose 16.9% to $168.8M, but net premiums fell 21.3% due to 40% quota share.","Combined ratio improved 4 pts to 58.3%; underlying combined ratio improved to 57.8% from 63.0%.","Personal lines (Interboro) earned pre-tax profit of $1.1M vs loss last year; divestiture definitive agreements nearly complete.","Issued $200M cat bond (Armor Re II) at 10.25% and plans to reduce quota share to 20% from 40% on 6/1/24."],"consensus_eps_estimate":null,"consensus_eps_actual":0.48,"consensus_revenue_estimate":null,"consensus_revenue_actual":73204000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":242251,"accession_number":"0001401521-24-000021","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2024-02-29T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"ACIC Q4 core income $0.39, up 225% YoY; combined ratio 66.6% vs 104.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income from continuing ops $17.1M ($0.37) vs $1.0M ($0.02) YoY; core income $17.7M ($0.39).","Gross premiums earned $167.5M, +15.7% YoY; combined ratio improved 38 pts to 66.6%.","Personal lines combined ratio 207.4%; NY rate increase +12.6% approved (eff. Feb/Mar 2024).","ATM raised $38.2M from 4.37M shares at avg $9.00; book value per share $3.61 (vs -$4.21).","Commuted CAT reinsurance for $6.4M charge; net economic benefit of $8.0M over time."],"consensus_eps_estimate":null,"consensus_eps_actual":6.98,"consensus_revenue_estimate":null,"consensus_revenue_actual":286543000.0,"consensus_period":"2023-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":510326421.94309694,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}