secwatch.observer — SEC 8-K summary
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Issuer:     Heritage Insurance Holdings, Inc. (HRTG)
CIK:        0001598665
Form:       8-K
Filed at:   2026-05-28T23:56:08+00:00
Accession:  0001193125-26-245800
Event type: other_material
Sentiment:  positive
Materiality: 0.65
Item codes: 8.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Heritage Insurance places 2026-2027 cat XOL program with $2.2B limit, cost down $63M YoY
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- Total reinsurance cost $367.5M, decreasing $63.2M from prior year's $430.7M.
- Over $2.2B of limit placed including two new catastrophe bonds and $712M multi-year coverage.
- Retentions unchanged: $50M for Southeast and Hawaii, $38M for Northeast; FHCF participation at 90%.
- CEO Ernie Garateix highlighted substantial cost savings and enhanced vertical protection.
- Entire program is indemnity-based; no parametric covers.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1598665/000119312526245800/0001193125-26-245800-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1598665/000119312526245800/d153948d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-245800

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