{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-051149","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2023-10-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.903445+00:00","generated_at":"2026-06-10T06:19:30.757691+00:00","sec_items":["1.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"HCI unit signs agreement to assume policies from Florida's Citizens Property Insurance","bullets":["Homeowners Choice Property & Casualty entered an Assumption Agreement with Citizens Property Insurance Corp. to assume policies under Florida's depopulation program.","Agreement effective Sept. 26, 2023, covers Assumptions from Jan. 1, 2023, through Dec. 31, 2023; Insurer must offer coverage for at least three years.","Assumptions require approval from the Florida Office of Insurance Regulation; Insurer must maintain compliance with all conditions.","If Insurer default occurs (e.g., regulatory action), Citizens may prohibit further Assumptions; Insurer bears costs of audits.","Insurer must appoint or have limited servicing agreements with agents of record for selected policies and pay commissions per Florida law."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-051149","json":"https://secwatch.observer/filing/0000950170-23-051149.json","markdown":"https://secwatch.observer/filing/0000950170-23-051149.md","text":"https://secwatch.observer/filing/0000950170-23-051149.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023051149/0000950170-23-051149-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023051149/hci-20230926.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-10T06:19:30.757691+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":"b85f8d0cf3f57ad790501db2f3628a3b4ba4cb59","claim":"HCI Group, Inc. entered into Assumption Agreement with Citizens Property Insurance Corporation (effective 2023-09-26).","evidence_excerpt":"On September 26, 2023, our subsidiary Homeowners Choice Property & Casualty Insurance Company, Inc. entered into an Assumption Agreement with Citizens Property Insurance Corporation, an entity created by the Florida Legislature.","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023051149/0000950170-23-051149-index.htm","confidence":0.75,"family_label":"Material Agreements","details":[{"label":"Action","value":"entry"},{"label":"Counterparty","value":"Citizens Property Insurance Corporation"},{"label":"Effective","value":"2023-09-26"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}