{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-123206","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2024-04-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:19.154480+00:00","generated_at":"2026-06-03T04:26:19.570686+00:00","sec_items":["8.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Heritage Insurance fully places 2024-2025 CAT XOL reinsurance program at $422.3M cost","bullets":["Total consolidated cost ~$422.3M, replacing prior year's RAP program with external partners at added cost.","First-event tower exhaustion: Northeast $1.1B, Southeast $1.3B, Hawaii $750M; each can be supplemented via Osprey Re.","New $100M Southeast-only catastrophe bond via Citrus Re; existing bonds ($235M total) remain unused and available.","Retention: ~$40M for Southeast and Hawaii, ~$32M for Northeast; can be reduced by Osprey Re limit.","Florida Hurricane Catastrophe Fund participation at 90.0%, consistent with prior year; program is fully indemnity based."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-123206","json":"https://secwatch.observer/filing/0001193125-24-123206.json","markdown":"https://secwatch.observer/filing/0001193125-24-123206.md","text":"https://secwatch.observer/filing/0001193125-24-123206.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524123206/0001193125-24-123206-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524123206/d811863d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T04:26:19.570686+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}