{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-169325","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2022-06-07T23:59:59+00:00","discovered_at":"2026-05-14T18:04:01.383822+00:00","generated_at":"2026-06-25T03:57:18.398525+00:00","sec_items":["8.01","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Heritage Insurance places $359.5M catastrophe reinsurance; suspends new FL policies","bullets":["Total reinsurance cost $359.5M, 31% of premiums-in-force (up from 28% prior year).","First event retention: $40M Southeast/Hawaii, $30M Northeast; tower exhaustion up to $1.3B.","Includes $100M Citrus Re Ltd. catastrophe bond at $5.1M cost for multi-year coverage.","Suspended new personal residential policies in various Florida counties effective June 3, 2022.","Florida Hurricane Catastrophe Fund participation at 90%, unchanged from prior year."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-169325","json":"https://secwatch.observer/filing/0001193125-22-169325.json","markdown":"https://secwatch.observer/filing/0001193125-22-169325.md","text":"https://secwatch.observer/filing/0001193125-22-169325.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312522169325/0001193125-22-169325-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312522169325/d339216d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-25T03:57:18.398525+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"}