{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-068288","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2022-03-08T23:59:59+00:00","discovered_at":"2026-05-14T18:04:07.291587+00:00","generated_at":"2026-06-27T00:46:09.872311+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Heritage Q4 net loss $49.2M on $60.5M goodwill impairment; adj EPS $0.41","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-068288","json":"https://secwatch.observer/filing/0001193125-22-068288.json","markdown":"https://secwatch.observer/filing/0001193125-22-068288.md","text":"https://secwatch.observer/filing/0001193125-22-068288.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312522068288/0001193125-22-068288-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312522068288/d298524d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T00:46:09.872311+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"}