{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-25-000130","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2025-11-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.312413+00:00","generated_at":"2026-05-17T00:13:28.959927+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"American Coastal Q3 net income $32.5M ($0.65 EPS); core EPS $0.61 beats est. $0.39","bullets":["Net premiums earned $80.8M (+8.5% YoY); total revenue $90.4M (+10.1%).","Combined ratio improved to 56.9% from 57.7%, below 65% target; core income $30.5M.","Book value per share $6.71 (+24.7% YoY); tangible book value $5.41.","Florida commercial property market softening; avg premiums down 13% in September.","Launched new product for assisted & independent living facilities in Florida (property only)."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-25-000130","json":"https://secwatch.observer/filing/0001401521-25-000130.json","markdown":"https://secwatch.observer/filing/0001401521-25-000130.md","text":"https://secwatch.observer/filing/0001401521-25-000130.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152125000130/0001401521-25-000130-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152125000130/acic-20251105.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:13:28.959927+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"}