UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Year Ended December 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-36462 Heritage Insurance Holdings, Inc. Delaware 45-5338504 (STATE OF INCORPORATION) (I.R.S. ID) 2600 McCormick Drive, Suite 300, Clearwater, Florida 33759 Securities registered pursuan ...

Heritage Insurance Holdings, Inc. (NYSE:HRTG) Q4 2020 Earnings Conference Call March 4, 2021 9:30 AM ET Company Participants Arash Soleimani - EVP Ernie Garateix - CEO Kirk Lusk - CFO Conference Call Participants Marla Backer - Sidoti Mark Hughes - Truist Paul Newsome - Piper Sandler Matt Carletti - JMP Operator Good morning, and welcome to the Heritage Insurance Holdings Fourth Quarter 2020 Financial Results Conference Call. My name is Kate, and I will be the operator today. At this time, all participants ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2020 OR 2600 McCormick Drive, Suite 300 Clearwater, Florida 33759 (Address, including zip code, of principal executive offices) (727) 362-7200 (Registrant's telephone number, including area code) Securities registered pursuant to Section 12(b) of the Act: ☐ TRANSITION REPORT PURSUANT TO SECTION ...

Heritage Insurance Holdings, Inc. (NYSE:HRTG) Q3 2020 Earnings Conference Call November 3, 2020 8:30 AM ET Company Participants Arash Soleimani - EVP Bruce Lucas - Chairman and CEO Kirk Lusk - CFO Conference Call Participants Paul Newsome - Piper Sandler Marla Backer - Sidoti Bill Broomall - Dowling & Partners Operator Good morning and welcome to the Heritage Insurance Holdings' Third Quarter 2020 Financial Results Conference Call. My name is Cole and I will be the operator for today. At this time, all part ...

Heritage Insurance Holdings, Inc. (NYSE:HRTG) Q2 2020 Earnings Conference Call August 4, 2020 8:00 AM ET Company Participants Arash Soleimani - Executive Vice President Bruce Lucas - Chairman and Chief Executive Officer Kirk Lusk - Chief Financial Officer Conference Call Participants Bill Broomall - Dowling & Partners Matt Carletti - JMP Operator Good morning and welcome to the Heritage Insurance Holdings Second Quarter 2020 Financial Results Conference Call. My name is Andrea and I will be the operator for ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-36462 Heritage Insurance Holdings, Inc. (Exact name of Registrant as specified in its charter) Delaware 45-5338504 (State of Incorporation) (IRS Employer Identification No.) 2 ...

Heritage Insurance Holdings, Inc. (NYSE:HRTG) Q1 2020 Earnings Conference Call May 5, 2020 8:30 AM ET Company Participants Arash Soleimani - EVP Bruce Lucas - Chairman & CEO Kirk Lusk - CFO Conference Call Participants Matthew Carletti - JMP Securities Thomas Shimp - Piper Sandler & Co. William Broomall - Dowling & Partners Securities Mark Hughes - SunTrust Robinson Humphrey Operator Good morning, and welcome to Heritage Insurance Holdings First Quarter 2020 Financial Results Conference Call. My name is Eil ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON D.C. 20549 Form 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 001-36462 Heritage Insurance Holdings, Inc. (Exact name of Registrant as specified in its charter) (State of Incorporation) (IRS Employer | Title of each class | Trading Symbol(s ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Year Ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Transition Period From to Commission File Number 001-36462 Heritage Insurance Holdings, Inc. Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-acceler ...

Financial Data and Key Metrics Changes - Gross premiums written increased by 6.2% year-over-year to $235.4 million, with 9.4% growth outside of Florida, up from 7.9% in Q3 2019 [5][20] - Net income for Q4 2019 was $12.8 million or $0.44 per diluted share, up from $3.9 million or $0.15 per diluted share in Q4 2018 [20] - Book value per share increased by 8.5% year-over-year to $15.66, with shareholders' equity rising to $448.8 million [17][25] Business Line Data and Key Metrics Changes - For the full year of 2019, gross written premiums increased by $14.6 million or 1.6% year-over-year, with 8.1% growth outside Florida, partially offset by a 3.9% decrease in Florida [20][21] - The net loss ratio for Q4 2019 was 51%, compared to 50.3% in Q4 2018, influenced by lower income from vertically integrated operations and higher current accident year non-weather losses [23] Market Data and Key Metrics Changes - Approximately 30% of consolidated total insured value (TIV) is in Florida, with only 6.4% in the Tri-County region, indicating a diversified market presence [6][15] - The percentage of litigated non-hurricane claims from the Tri-County region declined by 830 basis points year-over-year [13] Company Strategy and Development Direction - The company is focusing on organic growth and diversifying its market presence outside Florida, with a strong emphasis on independent agency relationships and auto carrier partnerships [5][12] - The company has proactively addressed market challenges since 2016, taking meaningful rate increases and reducing exposure in troubled regions [10][11] Management's Comments on Operating Environment and Future Outlook - Management believes that the proactive measures taken over the past four years have positioned the company favorably against macro conditions in the Florida market [14][29] - The company anticipates continued strong organic growth and favorable impacts from rate increases on the profit and loss statement [26][31] Other Important Information - The company repurchased $4.3 million of common stock at a 12.5% discount to Q4 2019 book value per share and intends to continue share repurchases as long as shares are trading below fair value [17][26] - The company has approximately $34 million in cash in non-regulated companies and $40 million available under its revolver [26] Q&A Session Summary Question: Update on partnerships with Liberty Mutual Safeco, National General, and GEICO - Management cannot comment on specifics but acknowledges these relationships are material and a significant driver of growth, especially outside Florida [36] Question: Thoughts on capital growth and M&A opportunities - The company has a strong capital position with room for growth and targets upper single digits to low double digits growth, while remaining conservative regarding M&A in Florida [38][40] Question: Expectations for loss ratio in 2020 - Management aims for a loss ratio in the low-50s, noting that 2019's weather activity was more severe than in previous years [47] Question: Reduction in AOBs and its impact - AOBs have decreased over 70% year-over-year, which is beneficial for reducing litigation expenses [51] Question: Claim inflation outside Florida - Management does not see significant claim inflation impacting their numbers outside Florida, although insurance fraud exists [56] Question: Rate increases and reinsurance costs - The company has substantial rate increases coming through, which will positively impact the income statement, with a lag in reinsurance pricing adjustments [60][62]