---
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"
generated_at: "2026-05-20T02:35:03.240489+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 1.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-080273
- JSON: https://secwatch.observer/filing/0000950170-25-080273.json
- Plain text: https://secwatch.observer/filing/0000950170-25-080273.txt

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