{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-24-252373","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2024-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.924790+00:00","generated_at":"2026-05-30T03:34:27.016247+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Heritage Insurance reports Q3 net income of $8.2M vs loss; premiums up 12.6%","bullets":["Net income $8.2M ($0.27 diluted) vs net loss $7.4M ($0.28 loss) in Q3 2023.","Net premiums earned $198.8M (+12.6% YoY); gross premiums earned $354.2M (+5.1%).","Net combined ratio improved to 100.6% from 110.8%; net loss ratio 65.4% improved 9.0 pts.","Book value per share $9.10, up 61.1% YoY; dividend suspended for strategic growth.","Retained $48M hurricane losses in quarter; pivot to controlled growth with rate adequacy in >80% territories."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-24-252373","json":"https://secwatch.observer/filing/0001193125-24-252373.json","markdown":"https://secwatch.observer/filing/0001193125-24-252373.md","text":"https://secwatch.observer/filing/0001193125-24-252373.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524252373/0001193125-24-252373-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312524252373/d884073d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T03:34:27.016247+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"}