secwatch.observer — SEC 8-K summary
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Issuer:     Heritage Insurance Holdings, Inc. (HRTG)
CIK:        0001598665
Form:       8-K
Filed at:   2025-05-06T23:59:59+00:00
Accession:  0001193125-25-113895
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1598665/000119312525113895/0001193125-25-113895-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1598665/000119312525113895/d920943d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-113895

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer