---
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"
generated_at: "2026-06-03T04:26:19.570686+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Heritage Insurance fully places 2024-2025 CAT XOL reinsurance program at $422.3M cost

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-123206
- JSON: https://secwatch.observer/filing/0001193125-24-123206.json
- Plain text: https://secwatch.observer/filing/0001193125-24-123206.txt

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