---
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"
generated_at: "2026-06-22T03:13:34.551533+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# HCI Group Q3 net loss $51.5M ($5.66/share) as Hurricane Ian claims weigh; gross premiums up 21%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-22-023268
- JSON: https://secwatch.observer/filing/0000950170-22-023268.json
- Plain text: https://secwatch.observer/filing/0000950170-22-023268.txt

## Key facts
- Earnings Releases
  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.
  - Period: the nine months ended September 30, 2022
  - Net income: net loss of $57.3 million
  - EPS: $6.26 loss per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1400810/000095017022023268/0000950170-22-023268-index.htm
- Earnings Releases
  HCI Group, Inc. reported the third quarter of 2022 results: net income net loss of $51.5 million, EPS $5.66 loss per share.
  - Period: the third quarter of 2022
  - Net income: net loss of $51.5 million
  - EPS: $5.66 loss per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1400810/000095017022023268/0000950170-22-023268-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.