Heritage Insurance Hldgs Inc SEC Filings

Richard A. Widdicombe, a director and chairman of Heritage Insurance Holdings, Inc. (HRTG), reported two stock sale transactions on 09/16/2025 totaling 100,000 shares sold. The filing shows 57,138 shares sold at a weighted-average price of $23.88 (individual prices ranged $23.40–$24.39) and 42,862 shares sold at a weighted-average price of $24.52 (individual prices ranged $24.44–$24.64). Following the reported sales, the Form 4 lists beneficial ownership amounts of 641,909 shares and 599,047 shares respectively. The Form 4 is signed by Mr. Widdicombe on 09/18/2025.

Heritage Insurance Holdings (HRTG) Chief Executive Officer and Director Ernie J. Garateix reported a sale of common stock on 09/15/2025. The filing shows 25,000 shares were sold under transaction code S at a weighted average price of $24.61 per share, with individual sale prices ranging from $24.13 to $24.91. After the sale the reporting person beneficially owns 1,245,808 shares, held directly. The form is a routine Section 16 report documenting an insider disposition and includes an offer to provide exact per-price quantities on request.

Kirk Lusk, Chief Financial Officer of Heritage Insurance Holdings, Inc. (HRTG), reported a sale of company stock. On 09/12/2025 Mr. Lusk sold 20,000 shares of common stock for a weighted-average price of $24.17 per share, with individual sale prices ranging from $24.00 to $24.45. Following the transaction he beneficially owned 598,756 shares, reported as direct ownership.

The filing indicates the transaction was made pursuant to a written plan intended to satisfy Rule 10b5-1 conditions. The form is signed and dated 09/16/2025 and includes an offer to provide a breakdown of shares sold at each price upon request.

Heritage Insurance Holdings, Inc. (HRTG) notice reports a proposed sale of 250,000 common shares through Morgan Stanley Smith Barney LLC on the NYSE, with an aggregate market value of $6,022,500.00 and approximately 31,017,570 shares outstanding. The filing lists the acquisition history for the shares being sold: 135,338 shares were founders' shares acquired 12/15/2012 and 114,662 were purchased on the open market 05/23/2014 for cash. The filer indicates no securities sold in the past three months and attests they possess no undisclosed material adverse information. The notice sets the approximate sale date as 09/16/2025.

Heritage Insurance Holdings, Inc. (HRTG) filed a Form 144 reporting a proposed sale of 25,000 common shares through Morgan Stanley Smith Barney LLC. The filing lists an aggregate market value of $614,250 and shows approximately 31,017,570 shares outstanding, indicating the proposed sale represents about 0.08% of the outstanding common stock. The shares were acquired on 11/04/2023 through restricted stock vesting under a registered plan and payment was recorded as of that date. The filing indicates an approximate sale date of 09/15/2025 on the NYSE and states there were no other securities sold by the reporter in the past three months. The notice includes the seller's certification that they are unaware of undisclosed material adverse information about the issuer.

The filer notifies a proposed sale of 20,000 shares of common stock of Heritage Insurance Holdings, Inc. (HRTG) via Morgan Stanley Smith Barney LLC on 09/12/2025. The filing lists an aggregate market value of $477,600 and reports 31,017,570 shares outstanding. The securities were acquired as Restricted Stock Units on 11/30/2017 from the issuer, and no sales by the reporting person were reported in the past three months. The filing includes the standard representation that the seller does not possess undisclosed material adverse information.

Sharon Binnun, Chief Accounting Officer of Heritage Insurance Holdings, Inc. (HRTG), reported a sale of 21,000 shares of Common Stock on 09/05/2025 at a price of $24.47 per share. After the transaction she beneficially owned 176,006 shares on a direct basis. The Form 4 is signed and dated 09/09/2025.

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.

Heritage Insurance Holdings (HRTG) delivered sharply stronger results for Q2-25. Net premiums earned rose 3% to $196.3 mn while the loss & LAE expense fell 29% to $75.6 mn, driving total expenses down 19% to $143.2 mn. Operating income surged to $64.9 mn (vs $27.6 mn) and net income climbed to $48.0 mn (vs $18.9 mn), equal to diluted EPS of $1.55 (vs $0.61). First-half net income reached $78.5 mn, more than double the prior-year period.

Underwriting profitability improved materially. Q2 combined ratio compressed to ~73% from ~92%, reflecting lower catastrophe and attritional losses as well as higher ceding-commission offsets. Net investment income declined 8% to $9.0 mn, but was more than offset by underwriting gains.

Balance-sheet metrics strengthened. Book value rose 32% YTD to $383.3 mn, or $12.36/share. Cash & equivalents increased to $473.5 mn, while long-term debt was reduced to $92.4 mn (-21%). Unpaid losses dropped to $713.2 mn from $1.04 bn, aided by $216 mn of reinsurance recoveries. Prepaid reinsurance premiums expanded to $530.3 mn ahead of the 2025-26 catastrophe program.

The company remains a single reportable segment focused on residential property insurance and notes no material impact expected from the recently enacted One Big Beautiful Bill Act. Management adopted new income-tax disclosure standards and continues heavy investment ($3.6 mn YTD) in its policy-billing-claims technology platform, targeted for completion by end-2026.