{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-241445","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2024-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.924547+00:00","generated_at":"2026-05-30T11:05:39.044812+00:00","sec_items":["2.02","9.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Heritage estimates $105M net catastrophe losses from Hurricanes Debby, Helene, Milton","bullets":["Q3 2024 net catastrophe loss estimate ~$48M from Hurricanes Debby/Helene; company still expects positive Q3 net income.","Q4 2024 net catastrophe loss estimate ~$57M from Hurricane Milton; 5,435 claims received with average wait under 1 minute.","Reinsurance tower of $1.30B; gross losses from Milton may reach third layer ($450M-$914M).","Hurricane Milton claim count is just under 50% of Hurricane Ian during same timeframe.","Q3 2024 earnings call on Nov 7, 2024 at 12:00pm ET; results after close on Nov 6."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-241445","json":"https://secwatch.observer/filing/0001193125-24-241445.json","markdown":"https://secwatch.observer/filing/0001193125-24-241445.md","text":"https://secwatch.observer/filing/0001193125-24-241445.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524241445/0001193125-24-241445-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524241445/d574598d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:05:39.044812+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"}