{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-24-000115","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2024-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.348266+00:00","generated_at":"2026-05-30T04:25:28.163474+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"American Coastal Q3 core EPS $0.54 vs est $0.15; book value $5.38; guides FY24 net income $75-80M","bullets":["Q3 core income $26.9M ($0.54), +73.6% YoY, vs analyst estimate $0.15; combined ratio 57.7% vs 62.7%.","Net premiums earned $74.5M, +48.2% YoY, driven by reduced quota share cession from 40% to 20% eff June 1, 2024.","Hurricane Milton estimated net loss $20.5M pre-tax; full reinsurance tower intact with net retention $10.3M after tax.","Book value per share $5.38, +93.5% YoY; underlying book value $5.63; stockholders' equity $259.6M.","FY 2024 guidance: net income from continuing ops $75-80M; Q4 net income $4.6-9.6M including Milton losses."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-24-000115","json":"https://secwatch.observer/filing/0001401521-24-000115.json","markdown":"https://secwatch.observer/filing/0001401521-24-000115.md","text":"https://secwatch.observer/filing/0001401521-24-000115.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152124000115/0001401521-24-000115-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152124000115/acic-20241106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T04:25:28.163474+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"}