HCI Group secures 2025-2026 reinsurance program with $1.28B Florida tower

HCI Group, Inc.

Three reinsurance towers placed; Tower 1 covers Homeowners Choice and Tailrow Florida policies up to $1.28B per event.
Tower 2 covers TypTap and non-Florida Homeowners Choice policies with $925M Florida and $506M out-of-state limits.
Tower 3 covers CORE Florida policies with up to $181M per event retention of $3M.
Claddaugh participates across all towers with estimated max retained loss of $117M for first event.
Net consolidated premiums ceded to third parties estimated at ~$422M for the treaty year.

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