American Integrity Expects $430 Million to $440 Million in Reinsurance Costs

American Integrity Insurance Group, Inc. expects its reinsurance program to cost $430 million to $440 million, while management estimates Hurricane Isaias losses could reach $35 million, matching the catastrophe excess-of-loss attachment point.

Management does not expect the storm to materially change the outlook for the June 1, 2027, renewal. Claims are still developing.

The update follows American Integrity’s third-quarter results. The company reduced its non-catastrophe quota-share cession to 25% from 40%. The change increased retained economics and contributed to higher net premiums earned.

Management expects the company’s $35 million retention exhaustion point to rise at the next renewal as its portfolio grows.