{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-25-000024","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2025-02-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.526344+00:00","generated_at":"2026-05-26T01:27:53.557834+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"ACIC Q4 core EPS $0.12 misses estimates, hit by Hurricane Milton losses","bullets":["Q4 core income $6.0M ($0.12 diluted) vs analyst estimate $0.16; down 66.7% YoY.","Combined ratio 91.9% due to 27.8 points from Hurricane Milton; net cat losses $20.4M.","FY24 combined ratio 67.5%, near 65% target; net premiums earned up 49.6% to $73.5M.","Declared $0.50 special dividend during Q4; book value per share $4.89.","Launched new apartment product (19 policies, $2.3M premium); placed $200M cat bond oversubscribed."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-25-000024","json":"https://secwatch.observer/filing/0001401521-25-000024.json","markdown":"https://secwatch.observer/filing/0001401521-25-000024.md","text":"https://secwatch.observer/filing/0001401521-25-000024.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152125000024/0001401521-25-000024-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152125000024/acic-20250227.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T01:27:53.557834+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"}