---
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"
generated_at: "2026-06-09T00:22:37.751962+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Heritage Q3 net loss narrows to $7.4M from $48.2M YoY; combined ratio improves 22.5 pts

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-23-269440
- JSON: https://secwatch.observer/filing/0001193125-23-269440.json
- Plain text: https://secwatch.observer/filing/0001193125-23-269440.txt

## Key facts
- Earnings Releases
  Heritage Insurance Holdings, Inc. reported financial results for third quarter of 2023.
  - Period: third quarter of 2023
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1598665/000119312523269440/0001193125-23-269440-index.htm

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