---
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"
generated_at: "2026-05-24T23:43:46.849266+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Heritage Q4 net income $20.3M ($0.66 EPS), down 34% YoY on $57M Hurricane Milton losses

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- 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/1598665/000119312525052029/0001193125-25-052029-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312525052029/d922142d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-052029
- JSON: https://secwatch.observer/filing/0001193125-25-052029.json
- Plain text: https://secwatch.observer/filing/0001193125-25-052029.txt

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