{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-23-269440","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2023-11-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.706730+00:00","generated_at":"2026-06-09T00:22:37.751962+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 Q3 net loss narrows to $7.4M from $48.2M YoY; combined ratio improves 22.5 pts","bullets":["Net loss of $7.4M ($0.28 diluted EPS) vs $48.2M ($1.83) in Q3 2022; improved on higher net premiums earned and lower losses.","Gross premiums earned $337.0M, up 9.4% YoY; net premiums earned $176.6M, up 10.6%.","Net combined ratio 110.8%, improved 22.5 pts from 133.3%; net loss ratio improved to 74.4% from 97.6%.","Book value per share $5.65, up 24.4% YoY; dividend remains suspended.","Average premium per policy up 25.5% YoY; Florida personal lines policies down 16% as part of exposure management."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-23-269440","json":"https://secwatch.observer/filing/0001193125-23-269440.json","markdown":"https://secwatch.observer/filing/0001193125-23-269440.md","text":"https://secwatch.observer/filing/0001193125-23-269440.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312523269440/0001193125-23-269440-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312523269440/d454195d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T00:22:37.751962+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":"b3792f60857bec885f67cf059ddb3e5924b11c8c","claim":"Heritage Insurance Holdings, Inc. reported financial results for third quarter of 2023.","evidence_excerpt":"On November 2, 2023, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1598665/000119312523269440/0001193125-23-269440-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter of 2023"},{"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"}