{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-173549","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2025-08-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.459024+00:00","generated_at":"2026-05-17T20:42:21.481122+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Heritage Q2 net income $48M ($1.55 EPS) vs $18.9M prior; combined ratio improves to 72.9%","bullets":["Net income $48.0M, diluted EPS $1.55, up from $18.9M ($0.61) YoY.","Net combined ratio 72.9%, improving 19.6 pts from 92.5% in Q2 2024.","Net loss ratio 38.5% (down 17.2 pts); net expense ratio 34.4% (down 2.4 pts).","Gross premiums earned $353.6M (+1.0% YoY); new business premium written up 46.3% YoY.","Nearly all territories open for new business vs 30% a year ago; dividend suspension continues."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-173549","json":"https://secwatch.observer/filing/0001193125-25-173549.json","markdown":"https://secwatch.observer/filing/0001193125-25-173549.md","text":"https://secwatch.observer/filing/0001193125-25-173549.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525173549/0001193125-25-173549-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525173549/d23091d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T20:42:21.481122+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"}