{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-052029","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2025-03-11T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.120869+00:00","generated_at":"2026-05-24T23:43:46.849266+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Heritage Q4 net income $20.3M ($0.66 EPS), down 34% YoY on $57M Hurricane Milton losses","bullets":["Net income $20.3M ($0.66 diluted EPS) vs $30.9M ($1.15) in Q4 2023; Hurricane Milton pre-tax impact $57M.","Gross premiums earned $360.4M (+6.1% YoY); net premiums earned $199.3M (+12.2%).","Net combined ratio 89.7% (up 4.8 pts from 84.9%); net loss ratio 54.7% (up 3.7 pts).","Book value per share $9.50, up 30.3% from year-end 2023 and 85.2% from year-end 2022.","Dividend suspension continues; no share repurchases in quarter."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-052029","json":"https://secwatch.observer/filing/0001193125-25-052029.json","markdown":"https://secwatch.observer/filing/0001193125-25-052029.md","text":"https://secwatch.observer/filing/0001193125-25-052029.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525052029/0001193125-25-052029-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525052029/d922142d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T23:43:46.849266+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"}