---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-22-280319"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2022-11-09T23:59:59+00:00"
generated_at: "2026-06-22T01:17:48.871653+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Heritage Insurance posts Q3 net loss of $48.2M; suspends dividend after Hurricane Ian

## Summary
- Net loss of $48.2M ($1.83 diluted EPS) vs net loss of $16.4M ($0.59) in prior-year quarter.
- Gross premiums written rose 11.1% to $304.5M; net earned premiums fell 1.7% to $159.7M.
- Net combined ratio worsened to 133.3% from 112.5%, driven by $40M in catastrophe losses from Hurricane Ian.
- Board temporarily suspends quarterly dividend; will reevaluate quarterly.
- Repurchased 632,744 shares for $1.7M in the quarter.

## SEC filing metadata
- accession: 0001193125-22-280319
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2022-11-09T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312522280319/0001193125-22-280319-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312522280319/d378180d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-22-280319
- JSON: https://secwatch.observer/filing/0001193125-22-280319.json
- Plain text: https://secwatch.observer/filing/0001193125-22-280319.txt

## Key facts
- Earnings Releases
  Heritage Insurance Holdings, Inc. reported third quarter of 2022 results: net income net loss of $48.2 million or $1.83 per diluted share.
  - Period: third quarter of 2022
  - Net income: net loss of $48.2 million or $1.83 per diluted share
  - Result: reported results
  source text: Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended September 30, 2022.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1598665/000119312522280319/0001193125-22-280319-index.htm

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