---
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"
generated_at: "2026-06-25T03:57:18.398525+00:00"
event_type: "other_material"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Heritage Insurance places $359.5M catastrophe reinsurance; suspends new FL policies

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-169325
- JSON: https://secwatch.observer/filing/0001193125-22-169325.json
- Plain text: https://secwatch.observer/filing/0001193125-22-169325.txt

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