{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-148205","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2023-05-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:39.595323+00:00","generated_at":"2026-06-14T21:16:03.779427+00:00","sec_items":["8.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Heritage Insurance fully places 2023-2024 CAT XOL reinsurance program; cost $420.5M, retention $30-40M","bullets":["Total reinsurance cost of ~$420.5M, 32% of Q1 2023 PIF vs 31% prior year.","First event consolidated loss retention: ~$40M SE/Hawaii, ~$30M NE.","Includes $120M NE-only, $115M NE/Hawaii from Citrus Re 2023 cat bonds plus $100M from 2022 bond.","RAP program provides ~$71M limit at no cost, first-time use for Heritage.","Premiums-in-force $1.3B in Q1 2023, up 10.9% YoY; avg premium per policy up 21.9% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-148205","json":"https://secwatch.observer/filing/0001193125-23-148205.json","markdown":"https://secwatch.observer/filing/0001193125-23-148205.md","text":"https://secwatch.observer/filing/0001193125-23-148205.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312523148205/0001193125-23-148205-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312523148205/d487440d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-14T21:16:03.779427+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"}