{"filings":[{"id":730722,"accession_number":"0001193125-26-245800","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2026-05-28T23:56:08+00:00","items":["8.01","9.01"],"status":"ready","headline":"Heritage Insurance places 2026-2027 cat XOL program with $2.2B limit, cost down $63M YoY","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total reinsurance cost $367.5M, decreasing $63.2M from prior year's $430.7M.","Over $2.2B of limit placed including two new catastrophe bonds and $712M multi-year coverage.","Retentions unchanged: $50M for Southeast and Hawaii, $38M for Northeast; FHCF participation at 90%.","CEO Ernie Garateix highlighted substantial cost savings and enhanced vertical protection.","Entire program is indemnity-based; no parametric covers."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93985,"accession_number":"0001193125-26-212120","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Insurance Q1 net income $36.5M ($1.19 EPS), up 19.7% YoY; combined ratio 81.0%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record Q1 net income $36.5M, EPS $1.19 diluted, up 20.2% vs. $0.99 prior year.","Net loss ratio improved 3.8 pts to 45.9%; net combined ratio 81.0% vs 84.5%.","Book value per share $17.15, +61.5% YoY; return on avg equity 28.5%.","Repurchased 446,484 shares YTD at $12M; Board authorized new $50M buyback plan.","New business written up 62.7% YoY; reopened 90%+ of geographies; planning Texas entry."],"consensus_eps_estimate":null,"consensus_eps_actual":1.19,"consensus_revenue_estimate":null,"consensus_revenue_actual":212658000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106008,"accession_number":"0001193125-26-097583","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2026-03-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q4 net income $66.7M ($2.15/sh) up 228.5%; combined ratio 62.0% vs 89.7%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net premiums earned $202.7M (+1.7% YoY); net loss ratio 31.3% improved 23.4 pts.","Full year net income $195.6M ($6.32/sh) vs $61.5M ($2.01/sh) in 2024.","Book value per share $16.39, up 72.5% from year-end 2024 and 124.8% from 2023.","Dividend remains suspended; new $25M buyback authorized through Dec 2026.","Company plans to enter Texas E&S market as part of 2026 strategic initiatives."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106007,"accession_number":"0001193125-26-064300","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2026-02-23T23:59:59+00:00","items":["2.02","7.01","9.01"],"status":"ready","headline":"Heritage expects Q4 2025 net income >$60M ($2.00+ EPS), full-year ROE >45%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Preliminary Q4 2025 after-tax net income exceeds $60 million, or more than $2.00 per share.","Full-year 2025 return on equity exceeds 45%, driven by higher revenue and lower losses/expenses.","Earnings release and conference call scheduled for March 9, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":6.32,"consensus_revenue_estimate":null,"consensus_revenue_actual":847330000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":122302,"accession_number":"0001193125-25-267080","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2025-11-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q3 net income $50.4M ($1.63/diluted) vs $8.2M a year ago; combined ratio 72.9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net premiums earned $195.1M (-1.9% YoY); ceded premium ratio 46.1% due to reinstatement premium and quota share growth.","Combined ratio improved 27.7 pts to 72.9% on lower weather losses ($13.8M vs $63.0M) and favorable development.","New business premiums written surged 166% to $36.3M as nearly all territories reopened for new business.","Book value per share $14.15, up 48.9% from year-end 2024; new $25M buyback plan for 2026 approved.","Dividend suspension continued; Board to evaluate quarterly."],"consensus_eps_estimate":null,"consensus_eps_actual":4.17,"consensus_revenue_estimate":null,"consensus_revenue_actual":632013000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139000,"accession_number":"0001193125-25-217491","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2025-09-25T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Director Mark Berset resigns from Heritage Insurance Holdings board effective Sept 23, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Mark Berset notified Board on Sept 23, 2025, of immediate retirement to pursue other opportunities.","No disagreements with company operations, policies, or practices; departure is amicable.","Board composition changes; no replacement named in the filing.","Company expressed gratitude for Berset's service."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138999,"accession_number":"0001193125-25-173549","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2025-08-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q2 net income $48M ($1.55 EPS) vs $18.9M prior; combined ratio improves to 72.9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $48.0M, diluted EPS $1.55, up from $18.9M ($0.61) YoY.","Net combined ratio 72.9%, improving 19.6 pts from 92.5% in Q2 2024.","Net loss ratio 38.5% (down 17.2 pts); net expense ratio 34.4% (down 2.4 pts).","Gross premiums earned $353.6M (+1.0% YoY); new business premium written up 46.3% YoY.","Nearly all territories open for new business vs 30% a year ago; dividend suspension continues."],"consensus_eps_estimate":null,"consensus_eps_actual":2.54,"consensus_revenue_estimate":null,"consensus_revenue_actual":419554000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138998,"accession_number":"0001193125-25-164405","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2025-07-24T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Heritage Insurance Holdings enters into amended credit agreement increasing facilities to $200 million","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Senior secured credit facilities increased to $200M aggregate principal from $150M, including $50M revolving credit facility, $75M term loan, and $75M delayed draw term loan.","Revolving facility maturity extended to July 2030 and term loan maturity to July 2030, with reduced interest margins to 2.50%-3.00% for SOFR loans.","Proceeds from the new term loan, along with cash on hand, were used to repay approximately $78 million outstanding under the prior credit agreement.","Amended covenants provide more flexibility, including ability to sell certain real estate assets in Clearwater, Florida."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156502,"accession_number":"0001193125-25-139195","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2025-06-11T23:59:59+00:00","items":["5.07","8.01"],"status":"ready","headline":"Heritage Insurance Holdings announces annual meeting results and board committee changes","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Director Richard Widdicombe received 10,493,031 votes for and 9,654,829 withheld, the closest election among seven nominees.","Shareholders ratified Plante & Moran as independent auditor with 25,009,441 votes for, 132,896 against.","Advisory vote on executive compensation passed with 15,111,279 for, 4,260,104 against, and 776,477 abstaining.","Amendment to 2023 Omnibus Incentive Plan to increase shares by 1,800,000 was approved with 16,765,995 votes for.","Post-meeting committee chairs: Irini Barlas (Audit), Panagiotis Apostolou (Governance), Paul L. Whiting (Compensation)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156501,"accession_number":"0001193125-25-116055","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2025-05-08T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Heritage fully places 2025-2026 CAT XOL reinsurance program; limit up $285M, cost up $8M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Purchased $2.479B limit vs $2.194B prior year; cost $430.9M (+$7.8M).","Two new catastrophe bonds (Citrus Re) provide $200M limit for hurricane season.","Retention: $50M Southeast/Hawaii, $39.3M Northeast; FHCF participation 90%.","Program is indemnity-based, no parametric covers; includes multi-year collateralized bonds.","CEO cites strong reinsurer commitment and increased retention to match risk tolerance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156500,"accession_number":"0001193125-25-113895","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2025-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q1 net income $30.5M ($0.99/sh), combined ratio improves to 84.5% despite wildfire losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $30.5M ($0.99/diluted) vs $14.2M ($0.47) YoY; revenue $211.5M up 10.6%.","Net combined ratio improved 9.5 pts to 84.5%; net loss ratio 49.7% down 7.2 pts.","Gross premiums earned $353.8M (+3.6%); net premiums earned $200.0M (+11.5%).","Includes $31.8M pre-tax California wildfire losses; still generated underwriting profit.","Book value per share $10.62 (+38.5% YoY); ROE 39.3%; dividend suspension continues to fund growth."],"consensus_eps_estimate":null,"consensus_eps_actual":0.99,"consensus_revenue_estimate":null,"consensus_revenue_actual":211520000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174930,"accession_number":"0001193125-25-052029","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2025-03-11T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q4 net income $20.3M ($0.66 EPS), down 34% YoY on $57M Hurricane Milton losses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $20.3M ($0.66 diluted EPS) vs $30.9M ($1.15) in Q4 2023; Hurricane Milton pre-tax impact $57M.","Gross premiums earned $360.4M (+6.1% YoY); net premiums earned $199.3M (+12.2%).","Net combined ratio 89.7% (up 4.8 pts from 84.9%); net loss ratio 54.7% (up 3.7 pts).","Book value per share $9.50, up 30.3% from year-end 2023 and 85.2% from year-end 2022.","Dividend suspension continues; no share repurchases in quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174929,"accession_number":"0001193125-25-015787","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2025-01-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage expects best Q4 earnings, $57M Milton impact; Q1 2025 wildfire losses $35-40M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Q4 2024 net income expected to exceed Q2 2024's $18.9M after-tax net income, the best quarter of the year.","Hurricane Milton estimated at $57M impact, including $40M retained cat losses and $17M net reinstatement premium.","Over 9,000 hurricane claims settled, $140M paid; ~90% of 2024 hurricane claims closed as of Jan 21, 2025.","Lower-than-anticipated non-catastrophe accident year losses favorably affected Q4 results.","Q1 2025 expects $35-40M pre-tax net current accident quarter cat losses from Southern California wildfires."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191893,"accession_number":"0001193125-24-252373","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Insurance reports Q3 net income of $8.2M vs loss; premiums up 12.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.2M ($0.27 diluted) vs net loss $7.4M ($0.28 loss) in Q3 2023.","Net premiums earned $198.8M (+12.6% YoY); gross premiums earned $354.2M (+5.1%).","Net combined ratio improved to 100.6% from 110.8%; net loss ratio 65.4% improved 9.0 pts.","Book value per share $9.10, up 61.1% YoY; dividend suspended for strategic growth.","Retained $48M hurricane losses in quarter; pivot to controlled growth with rate adequacy in >80% territories."],"consensus_eps_estimate":null,"consensus_eps_actual":1.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":606721000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191892,"accession_number":"0001193125-24-241445","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2024-10-23T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage estimates $105M net catastrophe losses from Hurricanes Debby, Helene, Milton","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Q3 2024 net catastrophe loss estimate ~$48M from Hurricanes Debby/Helene; company still expects positive Q3 net income.","Q4 2024 net catastrophe loss estimate ~$57M from Hurricane Milton; 5,435 claims received with average wait under 1 minute.","Reinsurance tower of $1.30B; gross losses from Milton may reach third layer ($450M-$914M).","Hurricane Milton claim count is just under 50% of Hurricane Ian during same timeframe.","Q3 2024 earnings call on Nov 7, 2024 at 12:00pm ET; results after close on Nov 6."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208351,"accession_number":"0001598665-24-000006","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2024-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q2 net income surges 143% to $18.9M; combined ratio improves to 92.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $18.9M ($0.61 diluted EPS) vs $7.8M ($0.30) in Q2 2023, up 142.6%.","Gross premiums earned $350.1M (+6.1% YoY); net premiums earned $190.3M (+7.6%).","Net combined ratio improved to 92.5% from 95.1%; net loss ratio down 4.6 pts to 55.7%.","Book value per share $8.32, up 32.7% YoY; premiums-in-force $1.4B, up 6.1%.","CEO plans to resume new business in Florida and Northeast; dividend suspension continues."],"consensus_eps_estimate":null,"consensus_eps_actual":1.08,"consensus_revenue_estimate":null,"consensus_revenue_actual":394873000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226010,"accession_number":"0001628280-24-027257","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2024-06-07T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Heritage Insurance elects all 9 directors, ratifies auditor, approves say-on-pay at 2024 meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["All nine director nominees elected; broker non-votes of 8,910,554 shares on each.","Plante & Moran ratified as auditor for FY2024: 24,020,503 for, 133,810 against, 95,391 abstain.","Advisory say-on-pay passed: 11,287,051 for, 3,531,897 against, 520,202 abstain.","Annual Meeting held June 5, 2024; results filed June 7, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226009,"accession_number":"0001193125-24-127876","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2024-05-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q1 2024 net income $14.2M; combined ratio 94.0%, in-force premium up 6.2%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $14.2M ($0.47 diluted EPS) vs $14.0M ($0.55) in Q1 2023; EPS down due to higher share count.","Gross premiums earned $341.4M (+7.7% YoY); net premiums earned $179.4M (+8.1%).","Net combined ratio improved to 94.0% from 94.5%; net loss ratio improved 1.8 pts to 56.9%.","Book value per share $7.67, up 26.8% YoY; dividend suspension continues.","Policy count down 14.2% but premiums-in-force up 6.2% to $1.39B; commercial residential premium grew 44.4%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":191302000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":669064113.536778,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226008,"accession_number":"0001193125-24-123206","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2024-04-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Heritage Insurance fully places 2024-2025 CAT XOL reinsurance program at $422.3M cost","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total consolidated cost ~$422.3M, replacing prior year's RAP program with external partners at added cost.","First-event tower exhaustion: Northeast $1.1B, Southeast $1.3B, Hawaii $750M; 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