---
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"
generated_at: "2026-05-27T06:54:49.984525+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Heritage expects best Q4 earnings, $57M Milton impact; Q1 2025 wildfire losses $35-40M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-015787
- JSON: https://secwatch.observer/filing/0001193125-25-015787.json
- Plain text: https://secwatch.observer/filing/0001193125-25-015787.txt

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