{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-019745","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2023-05-09T23:59:59+00:00","discovered_at":"2026-05-14T18:03:38.702736+00:00","generated_at":"2026-06-15T08:41:31.437460+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.78,"calibrated_materiality_score":0.78,"confidence":"high","headline":"HCI Group Q1 net income $17.8M ($1.54 EPS) vs $2.8M year ago; loss ratio improves to 33.6%","bullets":["Net income of $17.8M, diluted EPS $1.54; adjusted net income $17.4M ($1.50 EPS).","Gross premiums earned $180.1M, up from $178.9M YoY; ceded premiums rose to 39.2% of gross.","Loss ratio improved to 33.6% from 40.6% on lower claims and litigation frequency in Florida.","Net investment income $17.7M, including $8.9M gain from two Greenleaf property sales.","Policy acquisition costs fell to 12.6% of premiums from 16.4% on higher renewal mix."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-019745","json":"https://secwatch.observer/filing/0000950170-23-019745.json","markdown":"https://secwatch.observer/filing/0000950170-23-019745.md","text":"https://secwatch.observer/filing/0000950170-23-019745.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023019745/0000950170-23-019745-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023019745/hci-20230509.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-15T08:41:31.437460+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":"ff33b16a0e7075dbe0aa34e95d036558ac4c0bd0","claim":"HCI Group, Inc. reported first quarter ended March 31, 2023 results: revenue $180.1 million, net income $17.8 million, EPS $1.54 diluted earnings per share.","evidence_excerpt":"said HCI Group Chairman and Chief Executive Officer Paresh Patel. First Quarter 2023 Commentary Consolidated gross premiums earned in the first quarter of 2023 increased to $180.1 million from $178.9 million in the first quarter of 2022. The increase was primarily due to higher average premium per policy offset by a decline in the number of policies in force.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023019745/0000950170-23-019745-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2023"},{"label":"Revenue","value":"$180.1 million"},{"label":"Net income","value":"$17.8 million"},{"label":"EPS","value":"$1.54 diluted earnings 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"}