{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-23-000137","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2023-11-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.908488+00:00","generated_at":"2026-06-08T04:47:55.943441+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 Q3 net income $14.4M vs loss last year; combined ratio 68.7%","bullets":["Net income from continuing operations $14.4M ($0.33 EPS) vs loss of $27.4M ($0.64 loss) YoY; core income $14.9M.","Combined ratio improved to 68.7% from 139.3% YoY due to lower catastrophe losses and operating expenses.","Gross premiums earned $165.8M, up 20% YoY; net premiums earned down 20.6% due to increased ceded premiums.","Plans to sell personal lines carrier Interboro Insurance at GAAP book value; transaction expected in 2024.","Launched ATM equity offering (1-3 million shares) to support growth; KBRA affirmed ratings, outlook stable."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-23-000137","json":"https://secwatch.observer/filing/0001401521-23-000137.json","markdown":"https://secwatch.observer/filing/0001401521-23-000137.md","text":"https://secwatch.observer/filing/0001401521-23-000137.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152123000137/0001401521-23-000137-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152123000137/acic-20231113.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T04:47:55.943441+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":"9c5e9478c1f3d324e41e67e5861fddae25f2d834","claim":"AMERICAN COASTAL INSURANCE Corp reported financial results for the third quarter ended September 30, 2023.","evidence_excerpt":"American Coastal Insurance Corporation (Nasdaq: ACIC) (\"ACIC\" or \"the Company\"), a property and casualty insurance holding company, today reported its financial results for the third quarter ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1401521/000140152123000137/0001401521-23-000137-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the third quarter ended September 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"}