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]

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, 2019 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 Delaware 45-5338504 Identification N ...

Heritage Insurance Holdings, Inc. (NYSE:HRTG) Q3 2019 Earnings Conference Call November 1, 2019 9:00 AM ET Company Participants Arash Soleimani - Executive Vice President Bruce Lucas - Chairman and Chief Executive Officer Kirk Lusk - Chief Financial Officer Conference Call Participants John Barnidge - Sandler O'Neill Frederique Sleiffer - KBR Matthew Carletti - JMP Securities Operator Good morning and welcome to the Heritage Insurance Holdings Third Quarter 2019 Financial Results Conference Call. My name is ...

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, 2019 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) Q2 2019 Earnings Conference Call August 2, 2019 8:30 AM ET Company Participants Arash Soleimani - EVP Bruce Lucas - Chairman & CEO Kirk Lusk - CFO Conference Call Participants Mark Hughes - SunTrust Christopher Campbell - KBW Matthew Carletti - JMP Securities John Barnidge - Sandler O'Neill Operator Good morning and welcome to the Heritage Insurance Holdings Second Quarter 2019 Financial Results Conference Call. My name is Cole and I will be the operator today. ...

Financial Data and Key Metrics Changes - Gross written premium increased by 2.9% year-over-year despite derisking $3.4 billion of total insured value from Florida's Tri-County region [7][8] - Net income for the quarter was $7 million, equating to $0.24 per diluted share [17] - Total revenue increased by $6.2 million or 5.6%, reflecting the increase in net premiums earned and unrealized gains on equity securities [22] - Book value increased by $9.8 million to $435.1 million from $425.3 million at year-end 2018, with book value per share at $14.78, a 2.4% increase [26] Business Line Data and Key Metrics Changes - Premiums-in-force in Florida decreased by $12.4 million or 2.4% year-over-year, while premiums-in-force outside Florida grew by $19.2 million or 4.7% [19][20] - The percentage of Heritage's non-hurricane open claims in Florida's Tri-County is the lowest in the company's history, down 15 points year-over-year [11] - The percentage of active non-hurricane losses in Florida's Tri-County is at a new record low, down 14 points year-over-year [11] Market Data and Key Metrics Changes - The company projects only 29% of its total insured value to be within Florida by the end of 2019, indicating a shift away from Florida [9] - The company has expanded its geographic footprint, writing its first policy in Virginia and launching a commercial residential program in New Jersey [10] Company Strategy and Development Direction - The company is focusing on multistate diversification, with premiums growing by 6.6% outside of Florida [8] - The management believes that companies diversifying away from the Tri-County region in Florida will outperform peers over the long run [12] - The company is committed to retiring common stock as long as its share price is below fair value, with a remaining share repurchase authorization of $45 million [15] Management's Comments on Operating Environment and Future Outlook - Management expects the first quarter to be the weakest net income quarter in non-hurricane years due to net exposure to winter weather, with progressively stronger income expected throughout the year [18] - The company anticipates continued improvement in loss trends due to the passage of Assignment of Benefit reform in Florida [13] - Management expressed confidence in the claims examination process and believes the new AOB legislation will reduce litigation and fraud abuses in the Florida market [45][58] Other Important Information - The first quarter loss ratios were impacted by a large hailstorm in Brevard County, with a net retention of $10.2 million booked [14] - Operating expenses increased year-over-year due to the favorable impact of NBIC-related purchase accounting in the first quarter of 2018 [24] Q&A Session Summary Question: Update on Irma and Michael gross loss estimates and open claims - Irma has approximately $900 million in open claims with about 2,000 total claims, while Michael is projected at roughly $40 million with a couple hundred open claims [32] Question: Ceded premiums in the quarter - Ceded premiums were higher due to an increase in the net quota share from 49.5% to 52% [35] Question: G&A expenses comparison - G&A expenses were lower due to expense accruals and slightly reduced staffing year-over-year [38] Question: AOB legislation impact - The AOB statute is expected to reduce fraud abuses in the Florida market, particularly on hurricane losses [45][58] Question: Combined ratio expectations - The company is not providing specific guidance but indicated that previous guidance did not include a cat load [51] Question: Weather volatility post-NBIC acquisition - The company does not expect greater weather volatility than anticipated and is satisfied with NBIC's performance [60][62] Question: Strategic partnership with Safeco - The partnership has been launched in the Northeast with plans to expand to other states [76]