---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-066263"
form_type: "8-K"
ticker: "HCI"
cik: "0001400810"
company_name: "HCI Group, Inc."
filed_at: "2024-05-30T23:59:59+00:00"
generated_at: "2026-06-01T07:21:52.801336+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# HCI Group secures $1.12B Tower 1 and $723.3M Tower 2 reinsurance for 2024-2025

## Summary
- Tower 1 (FL Homeowners Choice): $1.12B single-event limit, $14M retention; private premiums $161.4M, FHCF $49.4M.
- Tower 2 (all TypTap policies and Homeowners Choice non-FL): $723.3M FL limit, $410M non-FL limit, $9M retention; private premiums $117.7M, FHCF $28.0M.
- Total net ceded third-party premiums approx. $333.6M; Claddaugh (subsidiary) collects $22.8M in premiums.
- Retrospective provisions in multi-year and single-year treaties may adjust premiums or create assets/liabilities based on loss experience.
- Program effective June 1, 2024 to May 31, 2025; HCI exploring additional risk transfer instruments.

## SEC filing metadata
- accession: 0000950170-24-066263
- form_type: 8-K
- ticker: HCI
- cik: 0001400810
- company_name: HCI Group, Inc.
- filed_at: 2024-05-30T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 1.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1400810/000095017024066263/0000950170-24-066263-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1400810/000095017024066263/hci-20240530.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-066263
- JSON: https://secwatch.observer/filing/0000950170-24-066263.json
- Plain text: https://secwatch.observer/filing/0000950170-24-066263.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.