{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-21-320403","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2021-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:04:13.218187+00:00","generated_at":"2026-06-28T13:00:50.774478+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Heritage Insurance Q3 net loss $16.4M ($0.59/share); combined ratio 112.5%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-21-320403","json":"https://secwatch.observer/filing/0001193125-21-320403.json","markdown":"https://secwatch.observer/filing/0001193125-21-320403.md","text":"https://secwatch.observer/filing/0001193125-21-320403.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312521320403/0001193125-21-320403-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312521320403/d252513d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T13:00:50.774478+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}