{"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},{"id":242250,"accession_number":"0001401521-24-000005","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2024-01-18T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"American Coastal Insurance names Svetlana Castle as CFO as Martz steps down","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["B. Bradford Martz steps down as CFO effective Jan 22, 2024; remains President focused on investor relations and strategy.","Svetlana Castle appointed CFO effective Jan 22, 2024; she has 15 years insurance experience, most recently CAO at Bankers Financial.","Castle's at-will employment agreement has an initial 1-year term, renewable, with base salary, bonus eligibility, and equity potential.","Martz had served as CFO since 2012; the change is a planned leadership restructuring."],"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":0.6,"calibrated_materiality_score":0.6,"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":242249,"accession_number":"0001401521-24-000003","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2024-01-09T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"ACIC renews AOP CAT reinsurance with $100M limit; cost down 9.24%, coverage up 70.3%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Effective Jan 1, 2024, ACIC renewed AOP CAT providing up to $100M limit excess of $10M per occurrence.","Cost approx $9.9M, down 9.24% YoY on risk-adjusted basis; retention increased to $12.25M per occurrence.","Aggregate coverage of $172M for first and second events, up 70.3% YoY (increase of $71M).","Coverage excludes named windstorms and earthquakes; wholly owned subsidiary UPC Re participates."],"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":0.6,"calibrated_materiality_score":0.6,"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":259655,"accession_number":"0001401521-23-000137","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-11-13T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"American Coastal Insurance Q3 net income $14.4M vs loss last year; combined ratio 68.7%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income from continuing operations $14.4M ($0.33 EPS) vs loss of $27.4M ($0.64 loss) YoY; core income $14.9M.","Combined ratio improved to 68.7% from 139.3% YoY due to lower catastrophe losses and operating expenses.","Gross premiums earned $165.8M, up 20% YoY; net premiums earned down 20.6% due to increased ceded premiums.","Plans to sell personal lines carrier Interboro Insurance at GAAP book value; transaction expected in 2024.","Launched ATM equity offering (1-3 million shares) to support growth; KBRA affirmed ratings, outlook stable."],"consensus_eps_estimate":null,"consensus_eps_actual":6.73,"consensus_revenue_estimate":null,"consensus_revenue_actual":213149000.0,"consensus_period":"2023-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":276920,"accession_number":"0001401521-23-000133","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-09-27T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"American Coastal Insurance enters ATM equity distribution agreement for up to 8 million shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Up to 8,000,000 shares of common stock may be sold at market prices through Raymond James & Associates.","Raymond James receives 3.0% commission on gross proceeds; sales commence immediately.","Separate trading arrangement allows Raymond James sole discretion to sell up to 4,000,000 shares before Nov 13, 2023.","Net proceeds planned for general corporate purposes, including specialty underwriting expansion and capital adequacy.","Shares sold under existing effective shelf registration statement (Form S-3)."],"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":276919,"accession_number":"0001401521-23-000120","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-09-19T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"American Coastal recasts 2022 financials to reflect UPC liquidation as discontinued operations","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["UPC placed into liquidation Feb 27, 2023; Florida DFS appointed receiver; company divested ownership.","Consolidated 2022 financial statements recast to report UPC operations as discontinued operations per ASC 205.","Revised items filed as Exhibit 99.1: Business, MD&A, Market Risk, and Financial Statements; Deloitte consent also provided.","Recast does not update for events after 2022 Form 10-K filing; only presentation of discontinued ops changed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"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":276918,"accession_number":"0001401521-23-000110","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-08-21T23:59:59+00:00","items":["4.02","7.01","9.01"],"status":"ready","headline":"American Coastal restates Q1 2023 financials, net income understated by $6.4M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Identified accounting errors in Q1-23 and Q1-22 discontinued ops and income tax; net income understated by ~$6.4M for Q1-23.","Board determined prior financials should no longer be relied upon; plans to file Form 10-Q/A promptly.","Q2 2023 core income (non-GAAP) of $26.2M ($0.60/share) improved 345% YoY; combined ratio 67.7%.","Stockholders' equity at June 30, 2023: $112.4M or $2.59 per share.","Company changed name to American Coastal Insurance Corp. (ACIC) effective Aug 15, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"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":276917,"accession_number":"0001401521-23-000099","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-08-10T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"American Coastal Insurance Q2 net income $18.2M; combined ratio 67.7%; core EPS $0.65 vs $0.20 YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income from continuing operations $22.6M ($0.52 diluted EPS) vs $5.8M ($0.14) YoY; consolidated net income $18.2M vs loss of $69.0M.","Core income $28.4M ($0.65 per share) increased 236% from $8.5M YoY; underlying combined ratio improved to 66.0% from 86.2%.","Gross premiums written up 17.5% to $243.9M; net premiums earned up 28.9% to $83.2M driven by commercial lines rate adequacy.","Book value per share rose to $2.45 from $1.93 quarter-over-quarter; total equity $106.5M.","Company changed name to American Coastal Insurance Corp.; new Nasdaq ticker ACIC effective August 15, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":6.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":160617000.0,"consensus_period":"2023-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":276916,"accession_number":"0001401521-23-000096","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-07-14T23:59:59+00:00","items":["5.03","9.01"],"status":"ready","headline":"United Insurance Holdings changes name to American Coastal Insurance Corp. effective July 10, 2023","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Company filed a Second Certificate of Amendment with Delaware to change corporate name to American Coastal Insurance Corporation.","Name change effective July 10, 2023; board also amended bylaws to reflect new name.","No other changes were made to the bylaws or certificate of incorporation.","President and CFO B. Bradford Martz signed the 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":0.4,"calibrated_materiality_score":0.4,"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":294759,"accession_number":"0001401521-23-000092","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-06-26T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"UIHC provides strategic update: Q1 continuing ops pre-tax income $40.4M, exits personal lines via UPC disposal","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Q1 2023 continuing ops pre-tax earnings of $40.4M; annualized revenue $416.2M as of March 31, 2023.","Book value per share restored to $1.93 after deconsolidation of UPC; total equity $83.5M.","ACIC 10-year average pre-tax income $48.1M with attritional loss ratio of 8.0%; profitable every year.","Seeking buyer for Interboro Insurance (IIC) to complete exit from personal lines; IIC has 18,000 policies in NY.","ACIC holds #1 market share in FL commercial residential condominium insurance with $563M premium in-force."],"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":294758,"accession_number":"0001401521-23-000090","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-06-06T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"United Insurance Holdings stockholders elect four Class A directors, ratify Deloitte as auditor","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["R. Daniel Peed, Gregory C. Branch, Michael R. Hogan, Kent G. Whittemore elected as Class A directors for two-year term.","Directors received between 23.98M and 25.07M votes for; broker non-votes of 9.73M on each.","Ratification of Deloitte & Touche as independent auditor for FY2023 passed with 34.79M votes for, 14,657 against.","Total shares present at meeting: 34.84M of 43.27M outstanding (80.5% quorum)."],"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":294757,"accession_number":"0001401521-23-000088","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-06-05T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"United Insurance renews catastrophe reinsurance; ACIC limit down 48%, cost up 30%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["ACIC bought $1.322B occurrence limit for 2023/24, down 47.6% from $2.524B, due to UPCIC divestiture.","First-event retention cut to $10M per occurrence (from $16.4M); ACIC reinsurance cost $227.5M, up 30.3%.","IIC secured $82M per-occurrence limit (down 56.3%); cost $9.1M, down 45.2%; retention unchanged at $3M.","Coverage adequate for a 1-in-167-year event for ACIC and 1-in-130-year for IIC.","Both programs reflect reduced exposure after divesting UPCIC; ACIC’s quota share ceded at 40% to A+ rated reinsurers."],"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":0.55,"calibrated_materiality_score":0.55,"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":294756,"accession_number":"0001401521-23-000057","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-05-16T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"United Insurance Holdings enters tax agreement with Florida DFS to recover $38.4M in reinsurance","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["United Insurance Holdings and its subsidiary American Coastal Insurance Co. signed a Tax Memorandum of Understanding with the Florida DFS on May 15, 2023.","The agreement addresses $38,352,000 in reinsurance recoveries due to ACIC from UPC, now in DFS receivership since February 27, 2023.","Parties will cooperate to realize UPC's deferred tax assets, which are valueless standalone but usable by ACIC subject to profitability conditions.","Proceeds from tax allocation will be held in a segregated ACIC account as collateral; annual true-ups and excess payments to DFS are required."],"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":0.6,"calibrated_materiality_score":0.6,"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":294755,"accession_number":"0001401521-23-000053","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-05-15T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"United Insurance Holdings Reports Q1 2023 Net Income of $260.9M, Core Income Up 419%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income from continuing operations $30.5M, up 563% from $4.6M in Q1 2022.","Core income (non-GAAP) of $30.9M, or $0.71 per diluted share, up 419% year-over-year.","Combined ratio improved to 70.5% from 191.7%, driven by strong commercial lines performance.","Stockholders' equity restored to $83.5M ($1.93 per share) after de-consolidation of former subsidiary UPC.","Company secured 100% capacity for 2023-24 catastrophe reinsurance program for ACIC."],"consensus_eps_estimate":null,"consensus_eps_actual":5.99,"consensus_revenue_estimate":null,"consensus_revenue_actual":90320000.0,"consensus_period":"2023-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"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":294754,"accession_number":"0001401521-23-000039","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-04-19T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"United Insurance subsidiary ACIC reaches MOU on Hurricane Ian reinsurance allocation","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["ACIC and Florida DFS as UPC receiver entered MOU on April 19, 2023 regarding reinsurance allocation.","MOU adopts, ratifies, and affirms the existing Reinsurance Allocation Agreement from June 1, 2022.","Future Hurricane Ian reinsurance recoveries will be paid directly to ACIC; true-up for over-collection.","Allocation Agreement was approved by Florida OIR on December 5, 2022.","Agreement clarifies allocation of reinsurance proceeds between ACIC and UPC's receiver."],"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":315349,"accession_number":"0001401521-23-000016","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-03-02T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"UIHC reports Q4 net loss $294.9M; subsidiary UPC placed into receivership","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Q4 net loss $294.9M ($6.84 diluted EPS); full year net loss $468M ($10.87 EPS).","UPC placed into receivership Feb 27, 2023; de-consolidation effective that date.","Pro forma equity after de-consolidation $48M ($1.12/share) vs reported -$180M (-$4.16).","Hurricane Ian gross loss estimates rose to $1.54B, exhausting UPC's reinsurance.","Renewal rights agreement with Slide Insurance for UPC policies."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":1.0,"calibrated_materiality_score":1.0,"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":315348,"accession_number":"0001401521-23-000014","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-02-28T23:59:59+00:00","items":["2.01","9.01"],"status":"ready","headline":"Florida court orders liquidation of United Property & Casualty subsidiary; deconsolidation effective Feb 27, 2023","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Circuit Court for Leon County, FL issued consent order on Feb 27, 2023 appointing Florida Dept of Financial Services as receiver for UPC.","UPC subsidiary will be liquidated and deconsolidated from UIHC financial results effective Feb 27, 2023.","Pro forma financial statements reflecting disposal of UPC and deconsolidation were previously filed on Feb 10, 2023.","The order includes an injunction and automatic stay related to the liquidation proceedings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","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":315347,"accession_number":"0001401521-23-000012","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-02-10T23:59:59+00:00","items":["2.02","2.06","9.01"],"status":"ready","headline":"UPC subsidiary near insolvency; Hurricane Ian losses surge to $1.54B gross, nets $197M in Q4 2022","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["UPC expected insolvent as of Dec 31, 2022; Florida OIR notified.","Hurricane Ian gross loss estimate increased to $1.54B from $1B; net loss expense $197M in Q4 2022.","UPC personal lines Ian loss net $145M; all reinsurance exhausted. ACIC commercial Ian net $16M; FHCF has $518M limit remaining.","Adverse prior year reserve development adds $61M net in Q4 2022.","Company to deconsolidate UPC if receivership; pro forma financials filed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":1.0,"calibrated_materiality_score":1.0,"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":315346,"accession_number":"0001401521-23-000010","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-02-06T23:59:59+00:00","items":["1.01","2.01","9.01"],"status":"ready","headline":"UIHC transfers renewal rights on ~72K Florida policies to Slide Insurance, exits large portion of personal lines book","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["UPC cancels ~72,000 Florida HO3/DP3 policies; Slide simultaneously issues replacement stub policies effective Feb 1, 2023.","No purchase price; Slide pays UPC only the unearned premium (less agent commissions and unpaid installments).","UIM sells IP and data to Slide and provides policy admin services; receives 2% of gross earned premium on renewed policies.","Transaction requires Florida OIR approval and Demotech reaffirmation of Slide's 'A' rating as condition precedent.","UPC retains claims with loss date on or before Jan 31, 2023; Slide assumes claims from Feb 1, 2023 onward."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","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":315345,"accession_number":"0001401521-23-000002","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2023-01-24T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"United Insurance Holdings regains Nasdaq minimum bid price compliance","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Received written notice from Nasdaq on Jan 24, 2023 that it regained compliance with Listing Rule 5550(a)(2).","Company's common stock closing bid price was $1.00 or greater for 10 consecutive business days.","Regaining compliance removes the risk of delisting from Nasdaq."],"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":0.55,"calibrated_materiality_score":0.55,"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":333695,"accession_number":"0001401521-22-000161","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2022-12-27T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"UIHC grants retention bonuses to CFO Martz and two other officers totaling $661,500","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Retention agreements with B. Bradford Martz ($283,500), Chris Griffith ($207,900), and Brooke Adler ($170,100) through Dec 31, 2023.","Payments made Dec 30, 2022; not fully earned until Target Date; pro-rata repayment if resignation before certain dates.","If resignation without Good Reason or termination for Cause before Target Date, 100% repayment required."],"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":333694,"accession_number":"0001401521-22-000130","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2022-12-09T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"KBRA downgrades UIHC debt to BB+ from BBB-; UPC IFSR cut to B+","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["UIHC issuer/debt rating cut to BB+ from BBB-; UPC IFSR downgraded to B+ from BB-.","KBRA withdrew UPC's IFSR at company's request; American Coastal and Interboro affirmed A-.","All ratings removed from Watch Downgrade; Negative Outlook assigned.","$150M senior notes coupon steps to 7.25% from 6.25% due to rating trigger.","No other material impacts from downgrade as of Dec 9, 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"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":333693,"accession_number":"0001401521-22-000128","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2022-12-07T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"FLOIR orders UPCIC run-off; all Florida policies cancelled by May 31, 2023","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["UPCIC placed under FLOIR administrative supervision for duration of run-off.","MGA commission reduced to 13% effective Jan 1, 2023; weekly fee settlements from Oct 1, 2022.","All Florida policies must be cancelled by May 31, 2023; unearned premium payments due by June 1, 2023.","Reinsurance Allocation Agreement established for shared catastrophe limits with affiliate American Coastal.","UPCIC must actively facilitate policy placement with other insurers; non-compliance risks certificate revocation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","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":333692,"accession_number":"0001401521-22-000120","cik":1401521,"company_name":"AMERICAN COASTAL INSURANCE Corp","ticker":"ACIC","form_type":"8-K","filed_at":"2022-11-09T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"UIHC reports Q3 net loss of $70.9M, goodwill impairment, and substantial doubt over subsidiary's viability","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $70.9M ($1.65 diluted EPS) vs. $14.3M loss year ago; core loss of $57.5M ($1.34/share).","Hurricane Ian drove $37.4M net current year catastrophe losses; over 23,000 claims handled, reinsurance key.","Goodwill impairment of $13.6M related to personal lines withdrawal; stockholders' equity fell to $80.4M ($1.86/book value).","Regulatory approval received for withdrawal plans in FL, LA, TX; but substantial doubt exists about UPCIC's run-off viability.","Personal lines policies down 36% YoY; commercial lines grew 15% premium in-force; workforce cut by 37%."],"consensus_eps_estimate":null,"consensus_eps_actual":-4.02,"consensus_revenue_estimate":null,"consensus_revenue_actual":341947000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"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":"2022-11-09T23:59:59+00:00|333692"}