{"filings":[{"id":2080358,"accession_number":"0001193125-26-335334","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2026-08-05T20:45:16+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q2 net income $61.7M, EPS $2.05, combined ratio 64.9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Record Q2 net income of $61.7M, up 28.5% YoY; diluted EPS $2.05 vs $1.55.","Net combined ratio improved 8.0 pts to 64.9%; net loss ratio improved 8.1 pts to 30.4%.","Book value per share $19.09, up 54.5% YoY; annualized ROE 45.4%.","Repurchased 1,001,508 shares for $24.6M in 2026; $37.4M remaining on $50M authorization.","Began writing surplus lines business in Texas; dividend suspension continues."],"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":0.8,"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":1000121,"accession_number":"0001193125-26-267535","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2026-06-11T20:10:22+00:00","items":["5.07"],"status":"ready","headline":"Heritage Insurance Holdings reports annual meeting voting results","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All six director nominees elected: Pete Apostolou, Irini Barlas, Ernie Garateix, Joseph Vattamattam, Paul L. Whiting, Richard Widdicombe.","Ratification of Plante & Moran as independent auditor for FY2026 approved with 22,960,126 for, 63,723 against.","Say-on-pay advisory vote passed with 16,268,417 for (approx. 93% of votes cast excluding broker non-votes).","Advisory vote on frequency: one year received 15,365,458 votes, recommending annual say-on-pay votes."],"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":0.15,"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":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; each can be supplemented via Osprey Re.","New $100M Southeast-only catastrophe bond via Citrus Re; existing bonds ($235M total) remain unused and available.","Retention: ~$40M for Southeast and Hawaii, ~$32M for Northeast; can be reduced by Osprey Re limit.","Florida Hurricane Catastrophe Fund participation at 90.0%, consistent with prior year; program is fully indemnity based."],"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":245098,"accession_number":"0001193125-24-064867","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2024-03-11T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q4 net income $30.9M ($1.15 EPS); combined ratio improves to 84.9%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $30.9M ($1.15 diluted EPS) vs $12.5M ($0.48) a year ago; net loss ratio improved 11.4 pts to 51.0%.","Gross premiums earned $339.6M (+7.0% YoY); net premiums earned $177.7M (+6.9%); net combined ratio improved 11.2 pts to 84.9%.","Book value per share $7.29, up 42.1% from $5.13; dividend suspension continued; raised ~$25.7M in Dec equity offering at $6.75/share.","Personal lines policies-in-force down 15.0%; commercial residential premium in force up 63.9% YoY as part of diversification.","Catastrophe losses fell to $3.1M from $15.3M; net weather losses $11.0M vs $27.5M in prior Q4."],"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":0.75,"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":245097,"accession_number":"0001193125-24-006610","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2024-01-11T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Heritage Insurance amends executive comp; CEO base salary cut 15% to $850K","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO base salary reduced from $1M to $850K, target cash incentive raised to 120% of base.","CFO base salary cut 16% to $800K; target cash incentive raised to 65% of base.","President NBIC base salary cut 34% to $650K; target cash incentive raised to 19% of base.","CAO base salary unchanged at $525K; target cash incentive raised to 30% of base.","Shift from base salary to performance-based equity awards to align with shareholder interests."],"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":0.5,"calibrated_materiality_score":0.5,"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":262533,"accession_number":"0001193125-23-298652","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2023-12-19T23:59:59+00:00","items":["1.01","3.02","7.01","9.01"],"status":"ready","headline":"Heritage Insurance closes $26.5M public offering and private placement with insiders","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Closed public offering of 3,703,703 shares at $6.75 per share; underwriter has 30-day option for 555,555 additional shares.","Private placement of 148,148 shares to holder Raymond T. Hyer at $6.75; directors Garateix and Whiting bought 27,247 and 40,871 shares at $7.34.","Gross proceeds of ~$26.5M; net proceeds expected ~$24.8M (or ~$28.3M if option fully exercised).","Proceeds to be used for general corporate purposes and to fund anticipated growth and expansion.","Public offering registered under effective shelf registration; private placement exempt under Section 4(a)(2)."],"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":0.65,"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":262532,"accession_number":"0001193125-23-295508","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2023-12-14T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Heritage Insurance launches underwritten public offering of common stock; insiders to purchase up to $1.5M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Heritage Insurance (HRTG) announced underwritten public offering of common stock; underwriters have 30-day option to purchase additional 15% of shares.","Offering proceeds intended for general corporate purposes and to provide capital for anticipated growth and expansion.","Directors Ernie Garateix and Paul Whiting, plus holder Raymond Hyer (13.5% stake), intend to buy up to $1.5M in concurrent private placement at offering price.","JonesTrading is sole book-running manager; Stonybrook Capital and Weild & Co are financial advisors."],"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":0.6,"calibrated_materiality_score":0.6,"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":262531,"accession_number":"0001193125-23-269440","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2023-11-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q3 net loss narrows to $7.4M from $48.2M YoY; combined ratio improves 22.5 pts","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $7.4M ($0.28 diluted EPS) vs $48.2M ($1.83) in Q3 2022; improved on higher net premiums earned and lower losses.","Gross premiums earned $337.0M, up 9.4% YoY; net premiums earned $176.6M, up 10.6%.","Net combined ratio 110.8%, improved 22.5 pts from 133.3%; net loss ratio improved to 74.4% from 97.6%.","Book value per share $5.65, up 24.4% YoY; dividend remains suspended.","Average premium per policy up 25.5% YoY; Florida personal lines policies down 16% as part of exposure management."],"consensus_eps_estimate":null,"consensus_eps_actual":0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":548532000.0,"consensus_period":"2023-Q3","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":262530,"accession_number":"0001193125-23-250873","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2023-10-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage estimates Q3 2023 catastrophe losses of ~$40M from Maui wildfire and Hurricane Idalia","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Estimated retained catastrophe losses for Q3 2023 total approximately $40.0 million.","Majority of losses stem from the Maui Wildfire; a modest amount of reinsurance recoveries from the Per Risk program.","Hurricane Idalia losses were fully retained with no reinsurance recoveries.","CEO Ernie Garateix expressed commitment to policyholders and confidence in handling claims."],"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":0.75,"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":279729,"accession_number":"0001193125-23-206491","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2023-08-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q2 net income $7.8M vs loss $87.9M YoY; combined ratio 95.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $7.8M ($0.30 diluted EPS) vs net loss of $87.9M ($3.32 loss) in Q2 2022.","Gross premiums written $396.6M, up 8.6% YoY; net premiums earned $176.8M, up 11.7%.","Net combined ratio improved to 95.1% from 99.4%, driven by loss ratio down 3.8 pts to 60.3%.","Florida personal lines policies-in-force intentionally declined 15.8%; average premium per policy up 24.3% YoY.","Dividend suspension continues; no share repurchases in quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":0.85,"consensus_revenue_estimate":null,"consensus_revenue_actual":362234000.0,"consensus_period":"2023-Q2","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":298171,"accession_number":"0001193125-23-164109","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2023-06-09T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Heritage Insurance shareholders elect directors, approve incentive plan and auditor at 2023 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All nine director nominees elected; narrowest margin for Nicholas Pappas (9.39M for, 3.18M withheld).","Plante & Moran ratified as independent auditor for FY2023: 19.03M for, 81.7K against, 245.4K abstain.","2023 Omnibus Incentive Plan approved: 11.62M for, 917.7K against, 31.4K abstain; 6.79M broker non-votes.","Advisory say-on-pay passed: 9.82M for, 1.97M against, 777.7K abstain; 6.79M broker non-votes.","All four proposals passed as recommended by the board at June 7, 2023 annual meeting."],"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":0.1,"calibrated_materiality_score":0.1,"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":298170,"accession_number":"0001193125-23-148205","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2023-05-18T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Heritage Insurance fully places 2023-2024 CAT XOL reinsurance program; cost $420.5M, retention $30-40M","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total reinsurance cost of ~$420.5M, 32% of Q1 2023 PIF vs 31% prior year.","First event consolidated loss retention: ~$40M SE/Hawaii, ~$30M NE.","Includes $120M NE-only, $115M NE/Hawaii from Citrus Re 2023 cat bonds plus $100M from 2022 bond.","RAP program provides ~$71M limit at no cost, first-time use for Heritage.","Premiums-in-force $1.3B in Q1 2023, up 10.9% YoY; avg premium per policy up 21.9% YoY."],"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":0.55,"calibrated_materiality_score":0.55,"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":298169,"accession_number":"0001193125-23-136067","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2023-05-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q1 2023 net income $14.0M vs loss; diluted EPS $0.55","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $14.0M ($0.55 diluted EPS) vs loss of $30.8M ($1.15 loss) in Q1 2022.","Gross premiums written $310.3M, up 9.6% YoY; net premiums earned $166.0M, up 8.6%.","Net combined ratio improved to 94.5% from 129.5% YoY; net loss ratio 58.7% vs 91.6%.","Premiums-in-force exceeded $1.3B (+10.9% YoY) despite policy count down 9.0%.","Dividend suspension continued; no share repurchases in quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":0.55,"consensus_revenue_estimate":null,"consensus_revenue_actual":176921000.0,"consensus_period":"2023-Q1","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":318412,"accession_number":"0001193125-23-066185","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2023-03-09T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Heritage Insurance appoints Paul Whiting to Board of Directors effective March 3, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Paul L. Whiting appointed to Board effective March 3, 2023, filling a recent vacancy.","Whiting will serve on Audit and Corporate Governance/Nominating Committees; deemed independent under NYSE standards.","Standard non-employee director compensation: $125,000 annual cash retainer plus $40,000 annual RSU grant.","Whiting brings public board experience from Sykes Enterprises and Teco Energy; currently President of Seabreeze Holdings.","No reportable transactions between Whiting or immediate family and Heritage under Item 404(a)."],"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":0.5,"calibrated_materiality_score":0.5,"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":318411,"accession_number":"0001193125-23-058565","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2023-03-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Insurance Q4 net income $12.5M vs loss; 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suspends dividend after Hurricane Ian","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $48.2M ($1.83 diluted EPS) vs net loss of $16.4M ($0.59) in prior-year quarter.","Gross premiums written rose 11.1% to $304.5M; net earned premiums fell 1.7% to $159.7M.","Net combined ratio worsened to 133.3% from 112.5%, driven by $40M in catastrophe losses from Hurricane Ian.","Board temporarily suspends quarterly dividend; will reevaluate quarterly.","Repurchased 632,744 shares for $1.7M in the quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":-6.29,"consensus_revenue_estimate":null,"consensus_revenue_actual":487872000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","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":354072,"accession_number":"0001193125-22-212726","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2022-08-05T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Heritage Insurance Q2 net loss $87.9M on $90.8M goodwill impairment; adj income $2.9M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $87.9M ($3.32 diluted EPS) vs $4.0M loss year ago; includes $90.8M non-cash goodwill impairment","Adjusted net income of $2.9M ($0.11 diluted EPS) vs adjusted net loss of $4.0M; combined ratio improved 5.8 pts to 99.4%","Premiums-in-force $1.2B (+3.4%), policies-in-force down 7.3% on planned Florida reduction; TIV outside FL at 74.4%","Director Steven Martindale resigned Aug 2, 2022 citing potential conflict of interest; no dispute with company"],"consensus_eps_estimate":null,"consensus_eps_actual":-4.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":322378000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","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":371953,"accession_number":"0001193125-22-183953","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2022-06-28T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Heritage Insurance shareholders elect all 9 director nominees at June 23, 2022 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Ernie Garateix re-elected with 16,388,067 votes for, 1,010,672 withheld, 5,639,653 broker non-votes.","Ratification of Plante & Moran as auditor for FY2022 passed with 22,781,247 votes for, 32,257 against.","Advisory vote on named executive officer compensation approved: 12,840,029 for, 4,497,724 against, 5,639,653 broker non-votes.","All 9 director nominees were elected; broker non-votes ranged from 4.3M to 5.6M per nominee."],"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":0.15,"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":371952,"accession_number":"0001193125-22-169325","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2022-06-07T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Heritage Insurance places $359.5M catastrophe reinsurance; suspends new FL policies","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total reinsurance cost $359.5M, 31% of premiums-in-force (up from 28% prior year).","First event retention: $40M Southeast/Hawaii, $30M Northeast; tower exhaustion up to $1.3B.","Includes $100M Citrus Re Ltd. catastrophe bond at $5.1M cost for multi-year coverage.","Suspended new personal residential policies in various Florida counties effective June 3, 2022.","Florida Hurricane Catastrophe Fund participation at 90%, unchanged from prior year."],"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":0.75,"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":371951,"accession_number":"0001193125-22-165448","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2022-06-02T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Heritage fully places 2022-2023 CAT XOL reinsurance program, includes Citrus Re cat bond","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reinsurance program placed for Heritage Property Casualty, Narragansett Bay Insurance, and Zephyr Insurance.","First Citrus Re cat bond since 2017 issued as part of the 2022-2023 program.","Total insured value outside Florida is 74.0% of TIV as of Q1 2022; zero exposure to Louisiana and Texas.","Did not utilize Florida's new Reinsurance to Assist Policyholders program authorized in May 2022 special session.","CEO Ernie Garateix cited thorough understanding by reinsurance partners of diversification strategy and underwriting actions."],"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":0.6,"calibrated_materiality_score":0.6,"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":371950,"accession_number":"0001193125-22-142628","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2022-05-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q1 net loss $30.8M ($1.15/sh) on higher weather losses; combined ratio 129.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $30.8M vs $5.1M prior year; diluted EPS loss $1.15 vs $0.19.","Net combined ratio 129.5% vs 107.7%; net loss ratio 91.6% vs 68.9%.","Current accident year weather losses $63.8M, up from $31.4M; catastrophe losses $45.0M.","Dividend $0.06/sh declared, payable July 5, 2022; shares repurchased 721,118 for $5.0M.","Book value per share $10.65, down 16.9% from Q4 2021; 74% TIV outside Florida."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.15,"consensus_revenue_estimate":null,"consensus_revenue_actual":158608000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","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":390856,"accession_number":"0001193125-22-068288","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2022-03-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Q4 net loss $49.2M on $60.5M goodwill impairment; adj EPS $0.41","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $49.2M ($1.79/sh) includes $60.5M goodwill impairment; adjusted net income $11.3M ($0.41/sh).","Net combined ratio improved to 93.2% from 108.7% YoY on lower loss and expense ratios.","Gross premiums earned +10.7% to $293.7M; premiums-in-force $1.2B (+8.3%); policies-in-force -1.7%.","Dividend $0.06/sh payable Apr 6 to record Mar 17; new $25M share repurchase authorization.","Florida TIV dropped to 26.9% of total from 31.3% as diversification strategy continues."],"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":408967,"accession_number":"0001193125-21-320403","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2021-11-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Insurance Q3 net loss $16.4M ($0.59/share); combined ratio 112.5%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $16.4M vs $5.2M loss in prior-year quarter; diluted EPS -$0.59 vs -$0.19.","Book value per share $14.57, down 4.1% from Q2 2021 and 8.8% year-over-year.","Gross premiums written $274.2M, down 1.5% due to planned Florida exposure reduction; premiums-in-force up 13.3% YoY.","Combined ratio improved to 112.5% from 122.7% but still reflects underwriting loss; net weather losses $51.4M.","Quarterly dividend $0.06/share declared (payable Jan 6, 2022); repurchased 148K shares for $1.0M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.91,"consensus_revenue_estimate":null,"consensus_revenue_actual":464849000.0,"consensus_period":"2021-Q3","consensus_source":"xbrl_only","sentiment":"negative","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":408966,"accession_number":"0001193125-21-304044","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2021-10-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Insurance estimates $51.4M net weather losses for Q3 2021","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Preliminary net weather losses of $51.4M: $16.0M from Hurricanes Elsa, Fred, Henri, Ida, and $35.5M from other weather.","Estimates are unaudited, subject to adjustment; independent auditor has not completed review of Q3 financials.","Company to report Q3 2021 results on Nov 4, 2021 after market close; conference call on Nov 5, 2021 at 9:30 am ET.","Total losses comprise net current accident quarter catastrophe and other weather losses as of Sep 30, 2021."],"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":0.75,"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":427887,"accession_number":"0001193125-21-238088","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2021-08-06T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage Insurance reports Q2 net loss of $4.0M, EPS -$0.14, combined ratio 105.2%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $4.0M ($0.14 per share) vs net income of $4.1M in prior year quarter.","Gross premiums written up 16.3% YoY to $337.7M; premiums-in-force $1.2B.","Net combined ratio 105.2% vs 100.0% prior year; higher weather losses of $35.5M.","Book value per share $15.20, down 0.8% from Q1 2021.","Declared quarterly dividend of $0.06 per share, payable Oct 6 to holders of record Sep 15."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.33,"consensus_revenue_estimate":null,"consensus_revenue_actual":297441000.0,"consensus_period":"2021-Q2","consensus_source":"xbrl_only","sentiment":"negative","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":427886,"accession_number":"0001193125-21-235000","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2021-08-03T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Heritage Insurance amends credit agreement: revolver raised to $75M, term loan maturity extended to 2026","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Revolver increased from $50M to $75M; additional $13.75M term loan advance brings total term debt to $70M.","Term loan maturity extended from Dec 2023 to July 2026; amortization reduced.","Interest rate margins reduced: LIBOR loans now 2.5%-3.0% (previously 3.25%-3.75%); base rate 1.5%-2.0%.","Net proceeds used to repay ~$10M revolver balance and for general corporate purposes.","Negative covenants relaxed, providing more flexibility for the company."],"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":427885,"accession_number":"0001193125-21-220683","cik":1598665,"company_name":"Heritage Insurance Holdings, Inc.","ticker":"HRTG","form_type":"8-K","filed_at":"2021-07-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Heritage pre-announces $35.5M net weather losses for Q2 2021","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Expects $24.5M net catastrophe losses and $11.0M other weather losses, total $35.5M.","Additional $9.4M of ceded premium for reinstatement of severe convective storm reinsurance.","Q2 2021 earnings will be reported after market close on August 5, 2021; call on August 6.","Preliminary estimates subject to completion of quarter-end accounting and potential adjustments."],"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":0.75,"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}],"next_cursor":null}