{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-064867","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2024-03-11T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.758229+00:00","generated_at":"2026-06-04T23:50:47.904826+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Heritage Q4 net income $30.9M ($1.15 EPS); combined ratio improves to 84.9%","bullets":["Net income of $30.9M ($1.15 diluted EPS) vs $12.5M ($0.48) a year ago; net loss ratio improved 11.4 pts to 51.0%.","Gross premiums earned $339.6M (+7.0% YoY); net premiums earned $177.7M (+6.9%); net combined ratio improved 11.2 pts to 84.9%.","Book value per share $7.29, up 42.1% from $5.13; dividend suspension continued; raised ~$25.7M in Dec equity offering at $6.75/share.","Personal lines policies-in-force down 15.0%; commercial residential premium in force up 63.9% YoY as part of diversification.","Catastrophe losses fell to $3.1M from $15.3M; net weather losses $11.0M vs $27.5M in prior Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-064867","json":"https://secwatch.observer/filing/0001193125-24-064867.json","markdown":"https://secwatch.observer/filing/0001193125-24-064867.md","text":"https://secwatch.observer/filing/0001193125-24-064867.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524064867/0001193125-24-064867-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524064867/d779863d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-04T23:50:47.904826+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":"4c430fda195b52441e33dc1485be3e7a2c683a79","claim":"Heritage Insurance Holdings, Inc. reported fiscal quarter ended December 31, 2023 results: net income $30.9 million, EPS $1.15 per diluted share.","evidence_excerpt":"On March 11, 2024, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended December 31, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524064867/0001193125-24-064867-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fiscal quarter ended December 31, 2023"},{"label":"Net income","value":"$30.9 million"},{"label":"EPS","value":"$1.15 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"}