{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-26-000031","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2026-05-15T20:07:25+00:00","discovered_at":"2026-05-15T20:13:00.225904+00:00","generated_at":"2026-05-15T20:13:33.642561+00:00","sec_items":["8.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"ACIC renews 2026/27 catastrophe reinsurance with $1.918B limit, 14.4% increase, cost down 11.1%","bullets":["Purchased $1.918B occurrence-based limit aggregate, up $241.5M or 14.4% from prior year.","First event retention of $49M (15.4% of equity); second event retention $25M; both up from 2025/26.","Provisional cost of excess-of-loss programs $179.5M, down 11.1% from $201.85M; max reinstatement premium $0.9M, down 84%.","Placed new multi-year catastrophe bonds ($200M total) and 15% external quota share with A+ rated reinsurer.","FHCF coverage elected at 90% providing $571.5M Florida-only layer attaching at $363.7M."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-26-000031","json":"https://secwatch.observer/filing/0001401521-26-000031.json","markdown":"https://secwatch.observer/filing/0001401521-26-000031.md","text":"https://secwatch.observer/filing/0001401521-26-000031.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152126000031/0001401521-26-000031-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152126000031/acic-20260515.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T20:13:33.642561+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"}