---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-22-165448"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2022-06-02T23:59:59+00:00"
generated_at: "2026-06-25T05:08:58.737457+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Heritage fully places 2022-2023 CAT XOL reinsurance program, includes Citrus Re cat bond

## Summary
- Reinsurance program placed for Heritage Property Casualty, Narragansett Bay Insurance, and Zephyr Insurance.
- First Citrus Re cat bond since 2017 issued as part of the 2022-2023 program.
- Total insured value outside Florida is 74.0% of TIV as of Q1 2022; zero exposure to Louisiana and Texas.
- Did not utilize Florida's new Reinsurance to Assist Policyholders program authorized in May 2022 special session.
- CEO Ernie Garateix cited thorough understanding by reinsurance partners of diversification strategy and underwriting actions.

## SEC filing metadata
- accession: 0001193125-22-165448
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2022-06-02T23:59:59+00:00
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312522165448/0001193125-22-165448-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312522165448/d365533d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-165448
- JSON: https://secwatch.observer/filing/0001193125-22-165448.json
- Plain text: https://secwatch.observer/filing/0001193125-22-165448.txt

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