{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-26-000003","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2026-01-07T23:59:59+00:00","discovered_at":"2026-05-14T18:02:34.991449+00:00","generated_at":"2026-05-16T11:20:06.133819+00:00","sec_items":["8.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"American Coastal renews catastrophe reinsurance with $95.6M AOP and $40M CAT Agg coverage","bullets":["Renewed AOP CAT agreement effective Jan 1, 2026: $95.6M occurrence limit excess of $10M attachment point.","AOP CAT cost ~$11.4M; retention $10M per occurrence net of quota share.","Renewed CAT Agg agreement: $40M aggregate limit ($20M per occurrence cap) after $40M annual deductible.","CAT Agg cost ~$4.9M; covers named windstorms, severe convective storms, winter storms for full year 2026.","Reinsurance renewals apply to in-force, new and renewal business through AmCoastal."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-26-000003","json":"https://secwatch.observer/filing/0001401521-26-000003.json","markdown":"https://secwatch.observer/filing/0001401521-26-000003.md","text":"https://secwatch.observer/filing/0001401521-26-000003.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152126000003/0001401521-26-000003-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152126000003/acic-20260107.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T11:20:06.133819+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"}