{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-094075","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2024-08-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:12.915040+00:00","generated_at":"2026-05-31T10:46:16.418714+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"HCI Group Q2 2024: Pre-tax income $76M, diluted EPS $4.24, gross loss ratio improves to 29.7%","bullets":["Net income after noncontrolling interests $54.1M vs $12.4M YoY; diluted EPS $4.24 vs $1.28.","Gross premiums earned rose 45% to $263.6M; ceded ratio improved to 29.1% from 36.5%.","Gross loss ratio improved to 29.7% from 34.0%; driven by lower claims & litigation frequency in Florida.","Net investment income doubled to $16.9M from $8.8M on higher interest and real estate income."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-094075","json":"https://secwatch.observer/filing/0000950170-24-094075.json","markdown":"https://secwatch.observer/filing/0000950170-24-094075.md","text":"https://secwatch.observer/filing/0000950170-24-094075.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000095017024094075/0000950170-24-094075-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000095017024094075/hci-20240808.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T10:46:16.418714+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"}