{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-206491","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2023-08-09T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.492679+00:00","generated_at":"2026-06-11T22:16:01.885996+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Heritage Q2 net income $7.8M vs loss $87.9M YoY; combined ratio 95.1%","bullets":["Net income of $7.8M ($0.30 diluted EPS) vs net loss of $87.9M ($3.32 loss) in Q2 2022.","Gross premiums written $396.6M, up 8.6% YoY; net premiums earned $176.8M, up 11.7%.","Net combined ratio improved to 95.1% from 99.4%, driven by loss ratio down 3.8 pts to 60.3%.","Florida personal lines policies-in-force intentionally declined 15.8%; average premium per policy up 24.3% YoY.","Dividend suspension continues; no share repurchases in quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-206491","json":"https://secwatch.observer/filing/0001193125-23-206491.json","markdown":"https://secwatch.observer/filing/0001193125-23-206491.md","text":"https://secwatch.observer/filing/0001193125-23-206491.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312523206491/0001193125-23-206491-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312523206491/d454748d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-11T22:16:01.885996+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":[{"claim_id":"04e4247a31de97182086d08837a327c50a2588b9","claim":"Heritage Insurance Holdings, Inc. reported second quarter of 2023 results: net income net income of $7.8 million or $0.30 per diluted share, EPS $0.30 per diluted share.","evidence_excerpt":"Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended June 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1598665/000119312523206491/0001193125-23-206491-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter of 2023"},{"label":"Net income","value":"net income of $7.8 million or $0.30 per diluted share"},{"label":"EPS","value":"$0.30 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}