{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-25-000110","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2025-05-29T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.172142+00:00","generated_at":"2026-05-20T05:39:13.521874+00:00","sec_items":["8.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"ACIC renews 2025/26 Core CAT program with $1.676B limit, 12.2% risk-adjusted cost decrease","bullets":["Occurrence-based limit increased 3.9% to $1.676B; first event limit up 5.4% to $1.33B.","Sufficient coverage for approx. 1-in-201-year event; second event retention up to $18.5M.","Risk-adjusted open market rate decreased 12.2%; max reinstatement premium down 64% to $5.9M.","Placed external 15% quota share with A+ rated reinsurer; FHCF coverage elected at 90% for Florida.","First event retention $29.75M (12.6% of equity), with $14M retained by AmCoastal and $15.75M by captive."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-25-000110","json":"https://secwatch.observer/filing/0001401521-25-000110.json","markdown":"https://secwatch.observer/filing/0001401521-25-000110.md","text":"https://secwatch.observer/filing/0001401521-25-000110.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152125000110/0001401521-25-000110-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152125000110/acic-20250529.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-20T05:39:13.521874+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"}