{"schema_version":"secwatch.filing_event.v1","accession":"0001401521-26-000035","form_type":"8-K","ticker":"ACIC","cik":"0001401521","company_name":"AMERICAN COASTAL INSURANCE Corp","filed_at":"2026-08-05T20:01:39+00:00","discovered_at":"2026-08-05T20:03:07.668685+00:00","generated_at":"2026-08-05T20:03:23.686328+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"American Coastal Q2 net income down 17% to $21.9M; core EPS $0.33 vs $0.54","bullets":["Net income $21.9M ($0.44 diluted EPS) vs $26.4M ($0.53) a year ago; core income $16.5M ($0.33).","Gross premiums written $216.3M, down 5.3% YoY; net premiums earned $69.7M, down 11.1%.","Total revenue $82.6M, down 4.5% YoY; income from continuing ops $21.9M, down 21.9%.","Book value per share rose 20.2% to $7.21 from $6.00.","No discontinued operations in Q2 2026 vs $1.6M loss in Q2 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001401521-26-000035","json":"https://secwatch.observer/filing/0001401521-26-000035.json","markdown":"https://secwatch.observer/filing/0001401521-26-000035.md","text":"https://secwatch.observer/filing/0001401521-26-000035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1401521/000140152126000035/0001401521-26-000035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1401521/000140152126000035/acic-20260805.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-05T20:03:23.686328+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"}