---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-23-250873"
form_type: "8-K"
ticker: "HRTG"
cik: "0001598665"
company_name: "Heritage Insurance Holdings, Inc."
filed_at: "2023-10-05T23:59:59+00:00"
generated_at: "2026-06-10T04:00:20.276189+00:00"
event_type: "other_material"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Heritage estimates Q3 2023 catastrophe losses of ~$40M from Maui wildfire and Hurricane Idalia

## Summary
- Estimated retained catastrophe losses for Q3 2023 total approximately $40.0 million.
- Majority of losses stem from the Maui Wildfire; a modest amount of reinsurance recoveries from the Per Risk program.
- Hurricane Idalia losses were fully retained with no reinsurance recoveries.
- CEO Ernie Garateix expressed commitment to policyholders and confidence in handling claims.

## SEC filing metadata
- accession: 0001193125-23-250873
- form_type: 8-K
- ticker: HRTG
- cik: 0001598665
- company_name: Heritage Insurance Holdings, Inc.
- filed_at: 2023-10-05T23:59:59+00:00
- event_type: other_material
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1598665/000119312523250873/0001193125-23-250873-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312523250873/d458837d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-250873
- JSON: https://secwatch.observer/filing/0001193125-23-250873.json
- Plain text: https://secwatch.observer/filing/0001193125-23-250873.txt

## Key facts
- Earnings Releases
  Heritage Insurance Holdings, Inc. reported preliminary financial results for third quarter of 2023.
  - Period: third quarter of 2023
  - Result: preliminary results
  source text: estimated retained catastrophe losses for the third quarter of 2023 were approximately $40.0 million
  evidence_url: https://www.sec.gov/Archives/edgar/data/1598665/000119312523250873/0001193125-23-250873-index.htm

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