---
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"
generated_at: "2026-05-30T03:34:27.016247+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Heritage Insurance reports Q3 net income of $8.2M vs loss; premiums up 12.6%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-24-252373
- JSON: https://secwatch.observer/filing/0001193125-24-252373.json
- Plain text: https://secwatch.observer/filing/0001193125-24-252373.txt

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