{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-116055","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2025-05-08T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.954738+00:00","generated_at":"2026-05-22T04:29:36.581323+00:00","sec_items":["8.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Heritage fully places 2025-2026 CAT XOL reinsurance program; limit up $285M, cost up $8M","bullets":["Purchased $2.479B limit vs $2.194B prior year; cost $430.9M (+$7.8M).","Two new catastrophe bonds (Citrus Re) provide $200M limit for hurricane season.","Retention: $50M Southeast/Hawaii, $39.3M Northeast; FHCF participation 90%.","Program is indemnity-based, no parametric covers; includes multi-year collateralized bonds.","CEO cites strong reinsurer commitment and increased retention to match risk tolerance."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-116055","json":"https://secwatch.observer/filing/0001193125-25-116055.json","markdown":"https://secwatch.observer/filing/0001193125-25-116055.md","text":"https://secwatch.observer/filing/0001193125-25-116055.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525116055/0001193125-25-116055-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525116055/d33733d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T04:29:36.581323+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"}