{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-127876","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2024-05-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:19.154695+00:00","generated_at":"2026-06-03T00:31:45.896348+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 Q1 2024 net income $14.2M; combined ratio 94.0%, in-force premium up 6.2%","bullets":["Net income $14.2M ($0.47 diluted EPS) vs $14.0M ($0.55) in Q1 2023; EPS down due to higher share count.","Gross premiums earned $341.4M (+7.7% YoY); net premiums earned $179.4M (+8.1%).","Net combined ratio improved to 94.0% from 94.5%; net loss ratio improved 1.8 pts to 56.9%.","Book value per share $7.67, up 26.8% YoY; dividend suspension continues.","Policy count down 14.2% but premiums-in-force up 6.2% to $1.39B; commercial residential premium grew 44.4%."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-127876","json":"https://secwatch.observer/filing/0001193125-24-127876.json","markdown":"https://secwatch.observer/filing/0001193125-24-127876.md","text":"https://secwatch.observer/filing/0001193125-24-127876.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524127876/0001193125-24-127876-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524127876/d650398d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-03T00:31:45.896348+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":"4120fc04160aa98ec9409cdc9d6f54d3fc399d2f","claim":"Heritage Insurance Holdings, Inc. reported financial results for the fiscal quarter ended March 31, 2024.","evidence_excerpt":"On May 1, 2024, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524127876/0001193125-24-127876-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal quarter ended March 31, 2024"},{"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"}