secwatch.observer — SEC 8-K summary
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Issuer:     AMERICAN COASTAL INSURANCE Corp (ACIC)
CIK:        0001401521
Form:       8-K
Filed at:   2026-01-07T23:59:59+00:00
Accession:  0001401521-26-000003
Event type: other_material
Sentiment:  neutral
Materiality: 0.50
Item codes: 8.01
LLM model:  deepseek-v4-flash:cloud@v2

American Coastal renews catastrophe reinsurance with $95.6M AOP and $40M CAT Agg coverage
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1401521/000140152126000003/0001401521-26-000003-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1401521/000140152126000003/acic-20260107.htm
  HTML page:      https://secwatch.observer/filing/0001401521-26-000003

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