---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-26-249754"
form_type: "8-K"
ticker: "HCI"
cik: "0001400810"
company_name: "HCI Group, Inc."
filed_at: "2026-06-01T11:48:56+00:00"
generated_at: "2026-06-01T11:50:27.961596+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# HCI Group places reinsurance towers with $1.96B aggregate Florida limit; total ceded premiums $381.2M

## Summary
- Reinsurance Tower 1: $1.06B single-event coverage, retention $10M, private premiums $204.7M plus $30M FHCF.
- Reinsurance Tower 2: $830.3M FL single-event and $605M non-FL single-event coverage; total ceded premiums $156.4M private.
- Reinsurance Tower 3: $431.5M single-event coverage, retention $2.8M; private premiums $75.6M plus $7.6M FHCF.
- Subsidiaries Claddaugh and Fortex Re retain combined max loss $139.8M first event, $52.3M second event; subject to regulatory approval.
- Total net consolidated reinsurance ceded to third parties (excl. subs) estimated at $381.2M for the 2026-2027 treaty year.

## SEC filing metadata
- accession: 0001193125-26-249754
- form_type: 8-K
- ticker: HCI
- cik: 0001400810
- company_name: HCI Group, Inc.
- filed_at: 2026-06-01T11:48:56+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 1.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1400810/000119312526249754/0001193125-26-249754-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1400810/000119312526249754/hci-20260601.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-249754
- JSON: https://secwatch.observer/filing/0001193125-26-249754.json
- Plain text: https://secwatch.observer/filing/0001193125-26-249754.txt

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