{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-23-000099","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2023-08-10T23:59:59+00:00","discovered_at":"2026-05-14T18:03:33.794385+00:00","generated_at":"2026-06-11T17:00:09.280614+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"American Coastal Insurance Q2 net income $18.2M; combined ratio 67.7%; core EPS $0.65 vs $0.20 YoY","bullets":["Net income from continuing operations $22.6M ($0.52 diluted EPS) vs $5.8M ($0.14) YoY; consolidated net income $18.2M vs loss of $69.0M.","Core income $28.4M ($0.65 per share) increased 236% from $8.5M YoY; underlying combined ratio improved to 66.0% from 86.2%.","Gross premiums written up 17.5% to $243.9M; net premiums earned up 28.9% to $83.2M driven by commercial lines rate adequacy.","Book value per share rose to $2.45 from $1.93 quarter-over-quarter; total equity $106.5M.","Company changed name to American Coastal Insurance Corp.; new Nasdaq ticker ACIC effective August 15, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-23-000099","json":"https://secwatch.observer/filing/0001401521-23-000099.json","markdown":"https://secwatch.observer/filing/0001401521-23-000099.md","text":"https://secwatch.observer/filing/0001401521-23-000099.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152123000099/0001401521-23-000099-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152123000099/uihc-20230810.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-11T17:00:09.280614+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":[{"claim_id":"8f0e73a10dbd326e1e32fece64ea5878c8d46387","claim":"AMERICAN COASTAL INSURANCE Corp reported financial results for the second quarter ended June 30, 2023.","evidence_excerpt":"FOR IMMEDIATE RELEASE AMERICAN COASTAL INSURANCE CORPORATION REPORTS FINANCIAL RESULTS FOR ITS SECOND QUARTER ENDED JUNE 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1401521/000140152123000099/0001401521-23-000099-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the second quarter ended June 30, 2023"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}