{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-067077","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2025-05-08T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.168703+00:00","generated_at":"2026-05-22T03:44:54.060086+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 Q1 EPS $5.35 beats $3.81 YoY; plans tax-free spin-off of Exzeo","bullets":["Q1 diluted EPS $5.35 vs $3.81 YoY; pre-tax income $100.3M, net income $74.2M.","Gross premiums earned $300.4M, up 17% YoY, driven by policy assumptions from Citizens Property Insurance.","Gross loss ratio improved to 19.7% from 31.1% due to decline in claims and litigation frequency.","Board pursuing tax-free spin-off of Exzeo to existing HCI shareholders, targeted for completion by end of 2025.","Net investment income $13.8M, slightly down YoY due to decrease in limited partnership income."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-067077","json":"https://secwatch.observer/filing/0000950170-25-067077.json","markdown":"https://secwatch.observer/filing/0000950170-25-067077.md","text":"https://secwatch.observer/filing/0000950170-25-067077.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000095017025067077/0000950170-25-067077-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000095017025067077/hci-20250508.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T03:44:54.060086+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"}