secwatch.observer — SEC 8-K summary
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Issuer:     Heritage Insurance Holdings, Inc. (HRTG)
CIK:        0001598665
Form:       8-K
Filed at:   2021-11-04T23:59:59+00:00
Accession:  0001193125-21-320403
Event type: earnings
Sentiment:  negative
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Heritage Insurance Q3 net loss $16.4M ($0.59/share); combined ratio 112.5%
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1598665/000119312521320403/0001193125-21-320403-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1598665/000119312521320403/d252513d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-21-320403

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