{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-23-000088","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2023-06-05T23:59:59+00:00","discovered_at":"2026-05-14T18:03:38.708167+00:00","generated_at":"2026-06-14T07:14:46.826343+00:00","sec_items":["8.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"United Insurance renews catastrophe reinsurance; ACIC limit down 48%, cost up 30%","bullets":["ACIC bought $1.322B occurrence limit for 2023/24, down 47.6% from $2.524B, due to UPCIC divestiture.","First-event retention cut to $10M per occurrence (from $16.4M); ACIC reinsurance cost $227.5M, up 30.3%.","IIC secured $82M per-occurrence limit (down 56.3%); cost $9.1M, down 45.2%; retention unchanged at $3M.","Coverage adequate for a 1-in-167-year event for ACIC and 1-in-130-year for IIC.","Both programs reflect reduced exposure after divesting UPCIC; ACIC’s quota share ceded at 40% to A+ rated reinsurers."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-23-000088","json":"https://secwatch.observer/filing/0001401521-23-000088.json","markdown":"https://secwatch.observer/filing/0001401521-23-000088.md","text":"https://secwatch.observer/filing/0001401521-23-000088.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152123000088/0001401521-23-000088-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152123000088/uihc-20230605.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-14T07:14:46.826343+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"}