{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-055761","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2024-05-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:18.244369+00:00","generated_at":"2026-06-02T09:23:04.086507+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"HCI Group Q1 net income $57.0M ($3.81 EPS) vs $17.8M ($1.54 EPS) year ago","bullets":["Pre-tax income $77.4M; adjusted diluted EPS $3.65 vs $1.50 prior year.","Gross premiums earned $256.6M, up 42% from $180.1M; includes $67M from Citizens assumption.","Gross loss ratio improved to 31.1% from 33.6%; reinsurance cost ratio fell to 26.5% from 39.2%.","Net investment income $14.1M excluding prior-year real estate gain of $8.9M.","CEO cites strong technology leverage and carrier launch as future opportunities."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-055761","json":"https://secwatch.observer/filing/0000950170-24-055761.json","markdown":"https://secwatch.observer/filing/0000950170-24-055761.md","text":"https://secwatch.observer/filing/0000950170-24-055761.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000095017024055761/0000950170-24-055761-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000095017024055761/hci-20240508.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T09:23:04.086507+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":"a26441d86521971ca966d67363bad89566e6dafe","claim":"HCI Group, Inc. reported the first quarter of 2024 results: net income $57.0 million, or $3.81 diluted earnings per share.","evidence_excerpt":"HCI Group Reports First Quarter 2024 Results First Quarter Pre-Tax Income of $77.4 million First Quarter Diluted EPS of $3.81 First Quarter Gross Loss Ratio of 31.1%","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1400810/000095017024055761/0000950170-24-055761-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the first quarter of 2024"},{"label":"Net income","value":"$57.0 million, or $3.81 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"}