Welcome to our dedicated page for Heritage Insurance Hldgs SEC filings (Ticker: HRTG), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Heritage Insurance Holdings, Inc. (NYSE: HRTG) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as a super-regional property and casualty insurance holding company. Heritage files periodic and current reports with the U.S. Securities and Exchange Commission, including Forms 10-K and 10-Q for financial reporting and Forms 8-K for material events.
In its Form 8-K filings, Heritage has reported quarterly financial results, described in attached press releases, and disclosed corporate developments such as changes to its board of directors and the entry into an Amended and Restated Credit Agreement. These filings outline key items like net income, premiums earned, loss and expense ratios, combined ratios, and the rationale behind strategic profitability initiatives focused on rate adequacy, underwriting discipline and exposure management.
Heritage’s filings also describe its capital structure and credit facilities. For example, the company has detailed an amended and restated senior secured credit agreement that increases the size of its credit facilities, extends maturities, adjusts loan margins and provides a delayed draw term loan for specified permitted acquisitions and investments. Related disclosures explain how proceeds were used to refinance prior debt and how financial covenants are structured.
As a property and casualty insurer operating in catastrophe-exposed geographies, Heritage’s annual and quarterly reports typically discuss reinsurance programs, catastrophe exposure and risk management. Investors reviewing these filings can see how the company structures its catastrophe excess-of-loss reinsurance, including indemnity-based coverage and the use of catastrophe bonds through Citrus Re Ltd., as well as the role of its affiliate captive reinsurer, Osprey Re.
On Stock Titan, AI-powered tools summarize complex sections of Heritage’s filings, helping users interpret technical topics such as reinsurance arrangements, leverage and liquidity, and underwriting performance metrics. Real-time updates from EDGAR allow users to monitor new 10-K, 10-Q and 8-K submissions, as well as insider-related filings like Form 4 when available, all in a single, organized view.
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.