{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-015787","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2025-01-29T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.120667+00:00","generated_at":"2026-05-27T06:54:49.984525+00:00","sec_items":["2.02","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Heritage expects best Q4 earnings, $57M Milton impact; Q1 2025 wildfire losses $35-40M","bullets":["Q4 2024 net income expected to exceed Q2 2024's $18.9M after-tax net income, the best quarter of the year.","Hurricane Milton estimated at $57M impact, including $40M retained cat losses and $17M net reinstatement premium.","Over 9,000 hurricane claims settled, $140M paid; ~90% of 2024 hurricane claims closed as of Jan 21, 2025.","Lower-than-anticipated non-catastrophe accident year losses favorably affected Q4 results.","Q1 2025 expects $35-40M pre-tax net current accident quarter cat losses from Southern California wildfires."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-015787","json":"https://secwatch.observer/filing/0001193125-25-015787.json","markdown":"https://secwatch.observer/filing/0001193125-25-015787.md","text":"https://secwatch.observer/filing/0001193125-25-015787.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525015787/0001193125-25-015787-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525015787/d893300d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-27T06:54:49.984525+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"}