{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-24-000038","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2024-05-09T23:59:59+00:00","discovered_at":"2026-05-14T18:03:18.249468+00:00","generated_at":"2026-06-02T05:19:37.819324+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"American Coastal Insurance Q1 core income down 20.9% to $0.50/share; combined ratio improves to 58.3%","bullets":["Core income (non-GAAP) $24.3M ($0.50), down 20.9% YoY from $30.7M ($0.70).","Gross premiums earned rose 16.9% to $168.8M, but net premiums fell 21.3% due to 40% quota share.","Combined ratio improved 4 pts to 58.3%; underlying combined ratio improved to 57.8% from 63.0%.","Personal lines (Interboro) earned pre-tax profit of $1.1M vs loss last year; divestiture definitive agreements nearly complete.","Issued $200M cat bond (Armor Re II) at 10.25% and plans to reduce quota share to 20% from 40% on 6/1/24."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-24-000038","json":"https://secwatch.observer/filing/0001401521-24-000038.json","markdown":"https://secwatch.observer/filing/0001401521-24-000038.md","text":"https://secwatch.observer/filing/0001401521-24-000038.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152124000038/0001401521-24-000038-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152124000038/acic-20240509.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T05:19:37.819324+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":"2a30006d7d7d4725af949445c6f159b3ebdc2d9e","claim":"AMERICAN COASTAL INSURANCE Corp reported financial results for first quarter ended March 31, 2024.","evidence_excerpt":"AMERICAN COASTAL INSURANCE CORPORATION REPORTS FINANCIAL RESULTS FOR ITS FIRST QUARTER ENDED MARCH 31, 2024","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1401521/000140152124000038/0001401521-24-000038-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2024"},{"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"}