---
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"
generated_at: "2026-05-22T12:00:24.383027+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Heritage Q1 net income $30.5M ($0.99/sh), combined ratio improves to 84.5% despite wildfire losses

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- 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/1598665/000119312525113895/0001193125-25-113895-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1598665/000119312525113895/d920943d8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-113895
- JSON: https://secwatch.observer/filing/0001193125-25-113895.json
- Plain text: https://secwatch.observer/filing/0001193125-25-113895.txt

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