---
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"
generated_at: "2026-05-17T00:17:39.385059+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Heritage Q3 net income $50.4M ($1.63/diluted) vs $8.2M a year ago; combined ratio 72.9%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-267080
- JSON: https://secwatch.observer/filing/0001193125-25-267080.json
- Plain text: https://secwatch.observer/filing/0001193125-25-267080.txt

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