Heritage Insurance (HRTG) CFO reports Form 4 stock withholding transaction

Rhea-AI Filing Summary

Heritage Insurance Holdings, Inc. Chief Financial Officer Kirk Lusk reported an insider equity transaction. On 12/15/2025, 18,112 shares of common stock were disposed of in a transaction coded "F" at a price of $29.57 per share. The company notes this represents shares withheld to satisfy tax liability upon the vesting of previously awarded restricted stock.

Following this tax-withholding event, Lusk directly beneficially owns 532,313 shares of Heritage Insurance common stock. The filing reflects a routine adjustment related to equity compensation rather than an open-market trade.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Lusk Kirk

(Last) (First) (Middle)

C/O HERITAGE INSURANCE HOLDINGS, INC.

1401 N. WESTSHORE BLVD

(Street)

TAMPA FL 33607

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Heritage Insurance Holdings, Inc. [ HRTG ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Financial Officer

3. Date of Earliest Transaction (Month/Day/Year)
12/15/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	12/15/2025		F(1)		18,112	D	$29.57	532,313	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents the shares withheld to satisfy tax liability on the vesting of shares of previously awarded restricted stock.

Remarks:

	/s/ Kirk Lusk	12/17/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Heritage Insurance Holdings (HRTG) report?

Heritage Insurance Holdings reported that on 12/15/2025, Chief Financial Officer Kirk Lusk had 18,112 shares of common stock disposed of at $29.57 per share in a transaction coded "F".

Why were 18,112 HRTG shares disposed of in the Form 4 filing?

The filing explains that the 18,112 shares represent stock withheld to satisfy tax liability arising from the vesting of previously awarded restricted stock.

How many Heritage Insurance (HRTG) shares does the CFO own after this transaction?

After the reported tax-withholding transaction, Chief Financial Officer Kirk Lusk directly beneficially owns 532,313 shares of Heritage Insurance common stock.

What is the role of the reporting person in the Heritage Insurance Form 4?

The reporting person, Kirk Lusk, is an officer of Heritage Insurance Holdings, Inc., serving as the companys Chief Financial Officer.

Was the Heritage Insurance CFOs transaction an open-market stock sale?

No. The Form 4 states that the reported transaction coded "F" reflects shares withheld to satisfy tax liability on the vesting of restricted stock, rather than an open-market sale.

What type of security is involved in the HRTG Form 4 transaction?

The transaction involves common stock of Heritage Insurance Holdings, Inc., as shown in Table I of the Form 4.

Does the Form 4 indicate joint or individual reporting for this HRTG transaction?

The filing is indicated as a Form filed by One Reporting Person, meaning it is an individual, not joint, report.