{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-25-000072","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2025-05-08T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.171734+00:00","generated_at":"2026-05-22T03:45:00.968297+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"American Coastal Q1 core EPS $0.42 vs $0.50 YoY; combined ratio 65%","bullets":["Net premiums earned $68.3M, up 9.0% YoY; total revenue $72.2M, +8.4%.","Core income $20.7M ($0.42 diluted), down 15.3% YoY on higher policy acquisition costs.","Combined ratio 65.0% (target) vs 53.2% a year ago; underlying combined ratio 68.2%.","Book value per share $5.40, up 26.5% YoY; tangible book value $4.06 per share.","Sold Interboro Insurance April 1 for over $26M cash; reinsurance renewal progress by June 1."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-25-000072","json":"https://secwatch.observer/filing/0001401521-25-000072.json","markdown":"https://secwatch.observer/filing/0001401521-25-000072.md","text":"https://secwatch.observer/filing/0001401521-25-000072.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152125000072/0001401521-25-000072-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152125000072/acic-20250508.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T03:45:00.968297+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"}