{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-267080","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2025-11-05T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.875863+00:00","generated_at":"2026-05-17T00:17:39.385059+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 Q3 net income $50.4M ($1.63/diluted) vs $8.2M a year ago; combined ratio 72.9%","bullets":["Net premiums earned $195.1M (-1.9% YoY); ceded premium ratio 46.1% due to reinstatement premium and quota share growth.","Combined ratio improved 27.7 pts to 72.9% on lower weather losses ($13.8M vs $63.0M) and favorable development.","New business premiums written surged 166% to $36.3M as nearly all territories reopened for new business.","Book value per share $14.15, up 48.9% from year-end 2024; new $25M buyback plan for 2026 approved.","Dividend suspension continued; Board to evaluate quarterly."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-267080","json":"https://secwatch.observer/filing/0001193125-25-267080.json","markdown":"https://secwatch.observer/filing/0001193125-25-267080.md","text":"https://secwatch.observer/filing/0001193125-25-267080.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525267080/0001193125-25-267080-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312525267080/d768057d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:17:39.385059+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"}