{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-22-023268","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2022-11-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:50.454170+00:00","generated_at":"2026-06-22T03:13:34.551533+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"HCI Group Q3 net loss $51.5M ($5.66/share) as Hurricane Ian claims weigh; gross premiums up 21%","bullets":["Net loss of $51.5M ($5.66 loss per share) vs net loss of $4.9M ($0.72 loss per share) in Q3 2021.","Gross premiums earned $181.7M (+21% YoY); gross written premiums $191.2M (+10% YoY).","Hurricane Ian claims consistent with prior disclosure; loss ratio excluding Ian improved to 41.4% from 47.9% in Q2 2022.","Net investment income $18.5M, up from $2.5M, driven by $13.4M gain on property sale.","Year-to-date net loss $57.3M vs net income $5.8M in prior year."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-22-023268","json":"https://secwatch.observer/filing/0000950170-22-023268.json","markdown":"https://secwatch.observer/filing/0000950170-22-023268.md","text":"https://secwatch.observer/filing/0000950170-22-023268.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000095017022023268/0000950170-22-023268-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000095017022023268/hci-20221108.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T03:13:34.551533+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"05fcfcb72288a92df2819d57375eb20d12ed6288","claim":"HCI Group, Inc. reported the nine months ended September 30, 2022 results: net income net loss of $57.3 million, EPS $6.26 loss per share.","evidence_excerpt":"For the nine months ended September 30, 2022, the company reported a net loss of $57.3 million, or $6.26 loss per share, compared with net income of $5.8 million, or $0.22 diluted earnings per share, for the nine months ended September 30, 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1400810/000095017022023268/0000950170-22-023268-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2022"},{"label":"Net income","value":"net loss of $57.3 million"},{"label":"EPS","value":"$6.26 loss per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"a9248702c5f8dd50e1d519081e78a016f134dca4","claim":"HCI Group, Inc. reported the third quarter of 2022 results: net income net loss of $51.5 million, EPS $5.66 loss per share.","evidence_excerpt":"HCI Group, Inc. (NYSE:HCI) , a holding company with operations in homeowners insurance, information technology services, real estate, and reinsurance, reported a net loss of $51.5 million, or $5.66 loss per share, in the third quarter of 2022 compared with net loss of $4.9 million, or $0.72 loss per share, in the third quarter of 2021.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1400810/000095017022023268/0000950170-22-023268-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter of 2022"},{"label":"Net income","value":"net loss of $51.5 million"},{"label":"EPS","value":"$5.66 loss per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}