{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-25-000003","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2025-01-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.525887+00:00","generated_at":"2026-05-28T08:12:47.196479+00:00","sec_items":["8.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"ACIC renews AOP CAT reinsurance with lower costs and attachment point; adds CAT Agg","bullets":["Renewed AOP CAT effective Jan 1, 2025: $90M limit excess of $10M attachment point (down $4M from $14M YoY).","AOP CAT cost ~$11.9M, risk-adjusted -8% YoY; aggregate coverage $176.4M for two events, +2.6% YoY.","New CAT Agg agreement: $40M aggregate limit (with $20M per occurrence cap) excess of $40M deductible, cost ~$6.6M.","Consolidated retention $9.8M per occurrence via Shoreline Re participation."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-25-000003","json":"https://secwatch.observer/filing/0001401521-25-000003.json","markdown":"https://secwatch.observer/filing/0001401521-25-000003.md","text":"https://secwatch.observer/filing/0001401521-25-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152125000003/0001401521-25-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152125000003/uihc-20250107.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-28T08:12:47.196479+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"}