[Form 4] HERITAGE INSURANCE HOLDINGS INC Insider Trading Activity

Rhea-AI Filing Summary

Paul L. Whiting, a director of Heritage Insurance Holdings, Inc. (HRTG), purchased 2,500 shares of the company's common stock at $20.499 per share on 08/08/2025, increasing his reported direct holdings to 87,126 shares.

In addition to the direct stake, the filing reports indirect holdings of 40,871 shares held by Whiting Family, LLC and 20,000 shares held by Paul & Gail Whiting Investments Limited; the reporting person states he controls those entities but disclaims beneficial ownership except to the extent of his pecuniary interest.

Positive

• Director purchase: Paul L. Whiting acquired 2,500 shares at $20.499 per share (transaction code P), increasing his reported direct holdings to 87,126 shares.
• Disclosure of indirect holdings: Filing identifies 40,871 shares held by Whiting Family, LLC and 20,000 shares held by Paul & Gail Whiting Investments Limited, with control disclosed.

Negative

• None.

Insights

Financial Analyst

TL;DR: Director purchased 2,500 shares at $20.499, modestly increasing his direct stake to 87,126 shares.

The Form 4 documents a purchase (code P) by Paul L. Whiting of 2,500 common shares at $20.499 per share on 08/08/2025. After the transaction, his reported direct ownership is 87,126 shares. The trade size is small relative to his direct holding, suggesting a modest incremental increase rather than a material shift in ownership. No dispositions or derivative transactions are reported. For investors, this is a factual disclosure of insider activity but not, on its face, a material corporate development.

Corporate Governance Expert

TL;DR: Reporting person controls two entities holding additional shares and disclaims beneficial ownership except for pecuniary interest.

The filing discloses indirect holdings of 40,871 shares via Whiting Family, LLC and 20,000 shares via Paul & Gail Whiting Investments Limited. The reporting person states he controls these entities but disclaims beneficial ownership of those shares except to the extent of his pecuniary interest. This is a standard ownership disclosure clarifying direct versus indirect stake and potential attribution; it provides transparency about aggregate exposure but does not indicate any change to corporate governance or control.

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
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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^*

WHITING PAUL L

(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
	Officer (give title below)		Other (specify below)

3. Date of Earliest Transaction (Month/Day/Year)
08/08/2025

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	08/08/2025		P		2,500	A	$20.499	87,126	D
Common Stock								40,871	I	See Footnote(1)
Common Stock								20,000	I	See Footnote(2)

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. These shares are owned by Whiting Family, LLC, which is controlled by the Reporting Person and his spouse. The Reporting Person disclaims beneficial ownership of the shares held by Whiting Family, LLC except to the extent of his pecuniary interest therein.

2. These shares are owned by Paul & Gail Whiting Investments Limited, which is controlled by the Reporting Person. The Reporting Person disclaims beneficial ownership of the shares held by Paul & Gail Whiting Investments Limited except to the extent of his pecuniary interest therein.

Remarks:

	/s/ Paul L. Whiting	08/12/2025
	** 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

Who filed the Form 4 for Heritage Insurance Holdings (HRTG)?

The Form 4 was filed by Paul L. Whiting, who is identified as a Director of the issuer.

What transaction is reported on the HRTG Form 4?

A purchase of 2,500 shares of common stock at $20.499 per share on 08/08/2025 (transaction code P).

What were Paul L. Whiting's holdings after the reported transaction?

The filing reports 87,126 shares held directly after the transaction, plus 40,871 shares (indirect) via Whiting Family, LLC and 20,000 shares (indirect) via Paul & Gail Whiting Investments Limited.

Are any derivative transactions or dispositions reported?

No derivative securities or dispositions are reported in the provided Form 4 content.

Does the reporting person claim beneficial ownership of the indirect holdings?

The reporting person states he controls the entities holding the indirect shares but disclaims beneficial ownership of those shares except to the extent of his pecuniary interest.