{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-080273","form_type":"8-K","ticker":"HCI","cik":"0001400810","company_name":"HCI Group, Inc.","filed_at":"2025-06-02T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.169015+00:00","generated_at":"2026-05-20T02:35:03.240489+00:00","sec_items":["1.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"HCI Group secures 2025-2026 reinsurance program with $1.28B Florida tower","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-080273","json":"https://secwatch.observer/filing/0000950170-25-080273.json","markdown":"https://secwatch.observer/filing/0000950170-25-080273.md","text":"https://secwatch.observer/filing/0000950170-25-080273.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1400810/000095017025080273/0000950170-25-080273-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1400810/000095017025080273/hci-20250601.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-20T02:35:03.240489+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"}