# EDGAR Filing Document

**Accession Number:** 0001401521
**File Stem:** 0001401521-25-000135
**Filing Date:** 2025-12
**Character Count:** 7053
**Document Hash:** e8a747e61447f2c9f19c0287f2e4faed
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001401521-25-000135.hdr.sgml**: 20251201

**ACCESSION NUMBER**: 0001401521-25-000135

**CONFORMED SUBMISSION TYPE**: 8-K

**PUBLIC DOCUMENT COUNT**: 12

**CONFORMED PERIOD OF REPORT**: 20251201

**ITEM INFORMATION**: Regulation FD Disclosure

**ITEM INFORMATION**: Financial Statements and Exhibits

**FILED AS OF DATE**: 20251201

**DATE AS OF CHANGE**: 20251201

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** AMERICAN COASTAL INSURANCE Corp
- **CENTRAL INDEX KEY:** 0001401521
- **STANDARD INDUSTRIAL CLASSIFICATION:** FIRE, MARINE & CASUALTY INSURANCE [6331]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 753241967
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 8-K
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 000-52833
- **FILM NUMBER:** 251539904

**BUSINESS ADDRESS:**
- **STREET 1:** 570 CARILLON PARKWAY
- **STREET 2:** SUITE 100
- **CITY:** SAINT PETERSBURG
- **STATE:** FL
- **ZIP:** 33716
- **BUSINESS PHONE:** 727-633-0851

**MAIL ADDRESS:**
- **STREET 1:** 570 CARILLON PARKWAY
- **STREET 2:** SUITE 100
- **CITY:** SAINT PETERSBURG
- **STATE:** FL
- **ZIP:** 33716

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** UNITED INSURANCE HOLDINGS CORP.
- **DATE OF NAME CHANGE:** 20081002

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** FMG ACQUISITION CORP
- **DATE OF NAME CHANGE:** 20070531

?xml version='1.0' encoding='ASCII'? 8-K

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549**

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## FORM 8-K

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**CURRENT REPORT**

**Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934**

**Date of Report (Date of earliest event reported):** December 01, 2025<br>

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American Coastal Insurance Corporation

**(Exact name of Registrant as Specified in Its Charter)**

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| | | |
|:---|:---|:---|
| Delaware | 001-35761 | 75-3241967 |
| **(State or Other Jurisdiction<br>of Incorporation)** | **(Commission File Number)** | **(IRS Employer<br>Identification No.)** |
| 570 Carillon Parkway, Suite 100 |  |  |
| St. Petersburg**,** Florida |  | 33716 |
| **(Address of Principal Executive Offices)** |  | **(Zip Code)** |

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**Registrant's Telephone Number, Including Area Code:** (727) 633-0851<br>

**(Former Name or Former Address, if Changed Since Last Report)**

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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

**Securities registered pursuant to Section 12(b) of the Act:**

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| | |
|:---|:---|
| **<br>Title of each class** | **<br>Name of each exchange on which registered** |
| Common Stock, $0.0001 par value per share<br> ACIC | The Nasdaq Stock Market LLC |

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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

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## Item 7.01 Regulation FD Disclosure.
On December 1, 2025, the Company issued a press release announcing that its Board of Directors has declared a special cash dividend of $0.75 per share of common stock. The dividend is payable to the Company's shareholders of record as of January 2, 2026, and will be paid on January 9, 2026. A copy of this press release is attached to this report as Exhibit 99.1.

The information furnished under this Item 7.01, including Exhibit 99.1 attached hereto, shall not be deemed "filed" for purposes of Section 18 of the Securities Act of 1934, nor shall it be deemed incorporated by reference in any filing under the Securities Act of 1933, except as shall be expressly set forth by specific reference to such filing.

## Item 9.01 Financial Statements and Exhibits.

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| | |
|:---|:---|
| **Exhibit**<br>**No.** | **Description** |
| [<u>99.1</u>](acic-ex99_1.htm) | Press release dated December 1, 2025 announcing special cash dividend |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |

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**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

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| | | | |
|:---|:---|:---|:---|
|  |  |  | **AMERICAN COASTAL INSURANCE CORPORATION** |
| Date: | December 1, 2025 | By:  | */s/ B. Bradford Martz* |
|  |  |  | B. Bradford Martz, President & Chief Executive Officer |

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## Exhibit 99.1

![img216366889_0.jpg](img216366889_0.jpg)

*For Immediate Release*

**AMERICAN COASTAL INSURANCE CORPORATION** 

**Declares special cash dividend of $0.75 per share.**

**ST. PETERSBURG, Fla.** – **December 1, 2025:** American Coastal Insurance Corporation (Nasdaq Ticker: ACIC) ("the Company", "American Coastal" or "ACIC"), the insurance holding company of American Coastal Insurance Company ("AmCoastal"), announced today that its Board of Directors declared a special cash dividend of $0.75 per share of common stock outstanding, payable on January 9, 2026 to shareholders of record on January 2, 2026.

**About American Coastal Insurance Corporation:**

American Coastal Insurance Corporation (amcoastal.com) is the holding company of the insurance carrier, American Coastal Insurance Company, which was founded in 2007 for the purpose of insuring Condominium and Homeowner Association properties, and apartments in the state of Florida. American Coastal Insurance Company has an exclusive partnership for distribution of Condominium Association properties in the state of Florida with AmRisc Group (amriscgroup.com), one of the largest Managing General Agents in the country specializing in hurricane-exposed properties. American Coastal Insurance Company has earned a Financial Stability Rating of "A", 'Exceptional' from Demotech, and maintains an "A-" insurance financial strength rating with a Positive outlook by Kroll. ACIC maintains a 'BBB-' issuer rating with a Positive outlook by Kroll.

**Contact Information:** 

Alexander Baty

Vice President, Finance & Investor Relations, American Coastal Insurance Corporation

<u>investorrelations@amcoastal.com</u>

(727) 425-8076

Karin Daly

Investor Relations, Vice President, The Equity Group

<u>kdaly@theequitygroup.com</u> 

(212) 836-9623

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