{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-23-060319","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2023-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.904061+00:00","generated_at":"2026-06-08T14:20:04.511732+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"HCI Group Q3 net income $15.7M ($1.34 EPS) vs $51.5M loss a year ago; gross loss ratio improves to 32%","bullets":["Pre-tax income of $20.1M vs pre-tax loss in Q3 2022; adjusted diluted EPS of $1.41 vs loss of $5.62.","Gross premiums earned rose 3.6% to $188.3M; net investment income (ex-real estate) nearly doubled to $9.4M.","Loss and loss adjustment expenses fell to $66.7M from $139.8M, helped by lower claims frequency and litigation.","Management cites Florida insurance reforms for improved loss trends; plans to expand by assuming policies from Citizens.","Year-to-date net income $48.3M ($4.16 diluted EPS) vs loss of $57.3M in 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-23-060319","json":"https://secwatch.observer/filing/0000950170-23-060319.json","markdown":"https://secwatch.observer/filing/0000950170-23-060319.md","text":"https://secwatch.observer/filing/0000950170-23-060319.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023060319/0000950170-23-060319-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023060319/hci-20231107.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T14:20:04.511732+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":"207aba4a482685f6fd4e39733d9670b9ba294805","claim":"HCI Group, Inc. reported the third quarter of 2023 results: revenue $188.3 million, net income $15.7 million, EPS $1.34 diluted earnings per share.","evidence_excerpt":"businesses, which includes the assumption of policies from Citizens.” Third Quarter 2023 Commentary Consolidated gross premiums earned in the third quarter increased to $188.3 million from $181.7 million in the third quarter of 2022. The increase was primarily due to higher average premiums per policy offset in part by attrition in the number of policies in","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023060319/0000950170-23-060319-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter of 2023"},{"label":"Revenue","value":"$188.3 million"},{"label":"Net income","value":"$15.7 million"},{"label":"EPS","value":"$1.34 diluted earnings per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"44ca3bdd50fea1bd7b2ac61e73b2f1265a36e36b","claim":"HCI Group, Inc. reported the nine months ended September 30, 2023 results: revenue $550.3 million, net income $48.3 million, EPS $4.16 diluted earnings per share.","evidence_excerpt":"non-GAAP financial measure and reconciliations to the applicable GAAP numbers accompany this press release. Consolidated gross premiums earned for the nine months of 2023 of $550.3 million increased from $541.8 million in the first nine months of 2022.The increase was primarily due to higher average premium per policy offset in part by attrition in the number of","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1400810/000095017023060319/0000950170-23-060319-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the nine months ended September 30, 2023"},{"label":"Revenue","value":"$550.3 million"},{"label":"Net income","value":"$48.3 million"},{"label":"EPS","value":"$4.16 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"}