---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-22-142628"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2022-05-06T23:59:59+00:00"
generated_at: "2026-06-25T23:00:29.901327+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Heritage Q1 net loss $30.8M ($1.15/sh) on higher weather losses; combined ratio 129.5%

## Summary
- 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.

## SEC filing metadata
- accession: 0001193125-22-142628
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2022-05-06T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312522142628/0001193125-22-142628-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312522142628/d288357d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-142628
- JSON: https://secwatch.observer/filing/0001193125-22-142628.json
- Plain text: https://secwatch.observer/filing/0001193125-22-142628.txt

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