{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-025093","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2023-05-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:38.702939+00:00","generated_at":"2026-06-14T10:18:39.189879+00:00","sec_items":["1.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"HCI Group secures 2023-2024 reinsurance with $2.4B total coverage; premiums $266.6M","bullets":["Tower 1 (Homeowners Choice FL) provides $992.8M single-event coverage, retention $12.5M; total all-occurrence limit $1.42B.","Tower 2 (TypTap & non-FL HCI) provides $684.2M (FL) / $337M (non-FL) single-event coverage, retention $9.0M; total $990.8M.","Claddaugh subsidiary to contribute $39.4M capital at risk and collect ~$28.0M in premiums from subsidiaries.","HCI obligated to use RAP coverage for both towers after deferral in prior year; RAP provides no-premium layers.","Total net ceded premiums to third parties estimated at $266.6M assuming no losses."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-025093","json":"https://secwatch.observer/filing/0000950170-23-025093.json","markdown":"https://secwatch.observer/filing/0000950170-23-025093.md","text":"https://secwatch.observer/filing/0000950170-23-025093.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023025093/0000950170-23-025093-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023025093/hci-20230531.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-14T10:18:39.189879+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}