Heritage Insurance CEO reports tax-related share withholding

Heritage Insurance Holdings, Inc. reported an insider equity transaction by its Chief Executive Officer and director, Ernie J. Garateix.

Accepted by SEC EDGAR 12/17/2025 - 05:06 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Heritage Insurance Holdings, Inc. reported an insider equity transaction by its Chief Executive Officer and director, Ernie J. Garateix. On 12/15/2025, he had 40,634 shares of common stock disposed of at $29.57 per share under transaction code "F," which the filing explains represents shares withheld to satisfy tax liability on the vesting of previously awarded restricted stock.

Following this tax-withholding transaction, Garateix beneficially owns 1,145,172 shares of Heritage Insurance common stock in direct ownership.

Insider Trade Summary

Exercise Price or Tax Liability: 40,634 shares

Exercise Price or Tax Liability 1 txn

Insider Garateix Ernie J

Role Chief Executive Officer

Type	Security	Shares	Price	Value
Exercise Price or Tax Liability	Common Stock	40,634	$29.57	$1.20M

Holdings After Transaction: Common Stock — 1,145,172 shares (Direct)

Holdings Before and After: Common Stock, 1,185,806 to 1,145,172 shares (Direct)

Footnotes (1)

1. F1. Represents the shares withheld to satisfy tax liability on the vesting of shares of previously awarded restricted stock.

FAQ

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What insider transaction did Heritage Insurance (HRTG) report in this Form 4?

The company reported that CEO and director Ernie J. Garateix had 40,634 shares of common stock disposed of on 12/15/2025 under transaction code "F."

Why were 40,634 HRTG shares disposed of by the CEO?

The filing states that the 40,634 shares represent shares withheld to satisfy the CEO's tax liability on the vesting of previously awarded restricted stock.

At what price were the 40,634 Heritage Insurance shares reported as disposed?

The 40,634 shares of Heritage Insurance common stock were reported as disposed of at a price of $29.57 per share.

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

After the reported tax-withholding transaction, Ernie J. Garateix beneficially owns 1,145,172 shares of Heritage Insurance common stock, held directly.

What is the relationship of the reporting person to Heritage Insurance (HRTG)?

The reporting person, Ernie J. Garateix, is listed as both a Director and an Officer, serving as Chief Executive Officer of Heritage Insurance Holdings, Inc.

Does this Form 4 involve derivative securities of Heritage Insurance?

No derivative securities entries are listed; the table of derivative securities shows no specific derivative transactions reported in this filing.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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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

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

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^*

Garateix Ernie J

(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)

X	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Executive 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)		40,634	D	$29.57	1,145,172	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/ Ernie J. Garateix	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.
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