Recent 8-K filings for HRTG

• May 28, 2026, 7:56 PM ET other material materiality 0.65 positive item 8.01item 9.01

  Heritage Insurance places 2026-2027 cat XOL program with $2.2B limit, cost down $63M YoY

  Total reinsurance cost $367.5M, decreasing $63.2M from prior year's $430.7M.

• May 7, 2026, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01 ◈ Earnings Releases

  Heritage Insurance Q1 net income $36.5M ($1.19 EPS), up 19.7% YoY; combined ratio 81.0%

  Record Q1 net income $36.5M, EPS $1.19 diluted, up 20.2% vs. $0.99 prior year.

• March 9, 2026, 7:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Heritage Q4 net income $66.7M ($2.15/sh) up 228.5%; combined ratio 62.0% vs 89.7%

  Q4 net premiums earned $202.7M (+1.7% YoY); net loss ratio 31.3% improved 23.4 pts.

• February 23, 2026, 6:59 PM ET earnings materiality 0.85 positive item 2.02item 7.01item 9.01

  Heritage expects Q4 2025 net income >$60M ($2.00+ EPS), full-year ROE >45%

  Preliminary Q4 2025 after-tax net income exceeds $60 million, or more than $2.00 per share.

• November 5, 2025, 6:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

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

  Net premiums earned $195.1M (-1.9% YoY); ceded premium ratio 46.1% due to reinstatement premium and quota share growth.

• September 25, 2025, 7:59 PM ET leadership materiality 0.30 neutral item 5.02

  Director Mark Berset resigns from Heritage Insurance Holdings board effective Sept 23, 2025

  Mark Berset notified Board on Sept 23, 2025, of immediate retirement to pursue other opportunities.

• August 5, 2025, 7:59 PM ET earnings materiality 0.85 positive item 2.02item 9.01

  Heritage Q2 net income $48M ($1.55 EPS) vs $18.9M prior; combined ratio improves to 72.9%

  Net income $48.0M, diluted EPS $1.55, up from $18.9M ($0.61) YoY.

• July 24, 2025, 7:59 PM ET debt materiality 0.85 positive item 1.01item 2.03item 9.01 ◈ Debt Financings

  Heritage Insurance Holdings enters into amended credit agreement increasing facilities to $200 million

  Senior secured credit facilities increased to $200M aggregate principal from $150M, including $50M revolving credit facility, $75M term loan, and $75M delayed draw term loan.

• June 11, 2025, 7:59 PM ET other material materiality 0.40 neutral item 5.07item 8.01

  Heritage Insurance Holdings announces annual meeting results and board committee changes

  Director Richard Widdicombe received 10,493,031 votes for and 9,654,829 withheld, the closest election among seven nominees.

• May 8, 2025, 7:59 PM ET other material materiality 0.70 positive item 8.01item 9.01

  Heritage fully places 2025-2026 CAT XOL reinsurance program; limit up $285M, cost up $8M

  Purchased $2.479B limit vs $2.194B prior year; cost $430.9M (+$7.8M).

• May 6, 2025, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01

  Heritage Q1 net income $30.5M ($0.99/sh), combined ratio improves to 84.5% despite wildfire losses

  Net income $30.5M ($0.99/diluted) vs $14.2M ($0.47) YoY; revenue $211.5M up 10.6%.

• March 11, 2025, 7:59 PM ET earnings materiality 0.80 negative item 2.02item 9.01

  Heritage Q4 net income $20.3M ($0.66 EPS), down 34% YoY on $57M Hurricane Milton losses

  Net income $20.3M ($0.66 diluted EPS) vs $30.9M ($1.15) in Q4 2023; Hurricane Milton pre-tax impact $57M.

• January 29, 2025, 6:59 PM ET other material materiality 0.75 neutral item 2.02item 9.01

  Heritage expects best Q4 earnings, $57M Milton impact; Q1 2025 wildfire losses $35-40M

  Q4 2024 net income expected to exceed Q2 2024's $18.9M after-tax net income, the best quarter of the year.

• November 7, 2024, 6:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01

  Heritage Insurance reports Q3 net income of $8.2M vs loss; premiums up 12.6%

  Net income $8.2M ($0.27 diluted) vs net loss $7.4M ($0.28 loss) in Q3 2023.

• October 23, 2024, 7:59 PM ET other material materiality 0.85 negative item 2.02item 9.01

  Heritage estimates $105M net catastrophe losses from Hurricanes Debby, Helene, Milton

  Q3 2024 net catastrophe loss estimate ~$48M from Hurricanes Debby/Helene; company still expects positive Q3 net income.

• August 6, 2024, 7:59 PM ET earnings materiality 0.80 positive item 2.02item 9.01

  Heritage Q2 net income surges 143% to $18.9M; combined ratio improves to 92.5%

  Net income $18.9M ($0.61 diluted EPS) vs $7.8M ($0.30) in Q2 2023, up 142.6%.

• June 7, 2024, 7:59 PM ET other materiality 0.15 neutral item 5.07

  Heritage Insurance elects all 9 directors, ratifies auditor, approves say-on-pay at 2024 meeting

  All nine director nominees elected; broker non-votes of 8,910,554 shares on each.

• May 2, 2024, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 9.01 ◈ Earnings Releases

  Heritage Q1 2024 net income $14.2M; combined ratio 94.0%, in-force premium up 6.2%

  Net income $14.2M ($0.47 diluted EPS) vs $14.0M ($0.55) in Q1 2023; EPS down due to higher share count.

• April 30, 2024, 7:59 PM ET other material materiality 0.75 neutral item 8.01item 9.01

  Heritage Insurance fully places 2024-2025 CAT XOL reinsurance program at $422.3M cost

  Total consolidated cost ~$422.3M, replacing prior year's RAP program with external partners at added cost.

• March 11, 2024, 7:59 PM ET earnings materiality 0.75 positive item 2.02item 9.01 ◈ Earnings Releases

  Heritage Q4 net income $30.9M ($1.15 EPS); combined ratio improves to 84.9%

  Net income of $30.9M ($1.15 diluted EPS) vs $12.5M ($0.48) a year ago; net loss ratio improved 11.4 pts to 51.0%.

• January 11, 2024, 6:59 PM ET other material materiality 0.50 neutral item 5.02item 9.01

  Heritage Insurance amends executive comp; CEO base salary cut 15% to $850K

  CEO base salary reduced from $1M to $850K, target cash incentive raised to 120% of base.

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.85 · Median 0.75 · Most common event earnings

13 positive 2 negative 6 neutral

source · HRTG on sec.gov