{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-113895","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2025-05-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.954470+00:00","generated_at":"2026-05-22T12:00:24.383027+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Heritage Q1 net income $30.5M ($0.99/sh), combined ratio improves to 84.5% despite wildfire losses","bullets":["Net income $30.5M ($0.99/diluted) vs $14.2M ($0.47) YoY; revenue $211.5M up 10.6%.","Net combined ratio improved 9.5 pts to 84.5%; net loss ratio 49.7% down 7.2 pts.","Gross premiums earned $353.8M (+3.6%); net premiums earned $200.0M (+11.5%).","Includes $31.8M pre-tax California wildfire losses; still generated underwriting profit.","Book value per share $10.62 (+38.5% YoY); ROE 39.3%; dividend suspension continues to fund growth."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-113895","json":"https://secwatch.observer/filing/0001193125-25-113895.json","markdown":"https://secwatch.observer/filing/0001193125-25-113895.md","text":"https://secwatch.observer/filing/0001193125-25-113895.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525113895/0001193125-25-113895-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525113895/d920943d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T12:00:24.383027+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"}