{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-24-000021","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2024-02-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.063427+00:00","generated_at":"2026-06-05T06:28:45.520445+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"ACIC Q4 core income $0.39, up 225% YoY; combined ratio 66.6% vs 104.5%","bullets":["Net income from continuing ops $17.1M ($0.37) vs $1.0M ($0.02) YoY; core income $17.7M ($0.39).","Gross premiums earned $167.5M, +15.7% YoY; combined ratio improved 38 pts to 66.6%.","Personal lines combined ratio 207.4%; NY rate increase +12.6% approved (eff. Feb/Mar 2024).","ATM raised $38.2M from 4.37M shares at avg $9.00; book value per share $3.61 (vs -$4.21).","Commuted CAT reinsurance for $6.4M charge; net economic benefit of $8.0M over time."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-24-000021","json":"https://secwatch.observer/filing/0001401521-24-000021.json","markdown":"https://secwatch.observer/filing/0001401521-24-000021.md","text":"https://secwatch.observer/filing/0001401521-24-000021.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152124000021/0001401521-24-000021-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152124000021/acic-20240229.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-05T06:28:45.520445+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":"2f91105e84b8d9d91d1eac10144d534796f33aef","claim":"AMERICAN COASTAL INSURANCE Corp reported financial results for fourth quarter and year ended December 31, 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 fourth quarter and year ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1401521/000140152124000021/0001401521-24-000021-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter and year ended December 31, 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"}