---
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"
generated_at: "2026-06-27T00:46:09.872311+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Heritage Q4 net loss $49.2M on $60.5M goodwill impairment; adj EPS $0.41

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-068288
- JSON: https://secwatch.observer/filing/0001193125-22-068288.json
- Plain text: https://secwatch.observer/filing/0001193125-22-068288.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.