{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-097583","form_type":"8-K","ticker":"HRTG","cik":"0001598665","company_name":"Heritage Insurance Holdings, Inc.","filed_at":"2026-03-09T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.590177+00:00","generated_at":"2026-05-15T17:46:51.339612+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 Q4 net income $66.7M ($2.15/sh) up 228.5%; combined ratio 62.0% vs 89.7%","bullets":["Q4 net premiums earned $202.7M (+1.7% YoY); net loss ratio 31.3% improved 23.4 pts.","Full year net income $195.6M ($6.32/sh) vs $61.5M ($2.01/sh) in 2024.","Book value per share $16.39, up 72.5% from year-end 2024 and 124.8% from 2023.","Dividend remains suspended; new $25M buyback authorized through Dec 2026.","Company plans to enter Texas E&S market as part of 2026 strategic initiatives."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-097583","json":"https://secwatch.observer/filing/0001193125-26-097583.json","markdown":"https://secwatch.observer/filing/0001193125-26-097583.md","text":"https://secwatch.observer/filing/0001193125-26-097583.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1598665/000119312526097583/0001193125-26-097583-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1598665/000119312526097583/d89191d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T17:46:51.339612+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"}