---
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"
generated_at: "2026-05-30T11:05:39.044812+00:00"
event_type: "other_material"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Heritage estimates $105M net catastrophe losses from Hurricanes Debby, Helene, Milton

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-241445
- JSON: https://secwatch.observer/filing/0001193125-24-241445.json
- Plain text: https://secwatch.observer/filing/0001193125-24-241445.txt

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