Every material Form 8-K Heritage Insurance Holdings, Inc. has filed with the SEC since May 28, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Heritage Insurance Holdings reported third-quarter 2026 net income of $51.1 million, or $1.72 per diluted share, up from $50.4 million, or $1.63 per share, a year earlier, with total revenue up 3.2% to $219.2 million. The quarter absorbed $15.8 million of pre-tax catastrophe losses, while a 4.0% reduction in diluted shares helped lift per-share earnings. The board also approved a new $50.0 million share repurchase program running through December 31, 2027.
Q3 2026 net income $51.1 million vs. $50.4 million; diluted EPS $1.72 vs. $1.63 in Q3 2025.
Total revenue rose 3.2% to $219.2 million; net premiums earned up 5.4% to $205.6 million.
Pre-tax catastrophe losses of $15.8 million in Q3 2026 vs. none in Q3 2025; loss ratio rose to 39.6% from 38.3%.
Nine-month net income $149.3 million, up 15.8%; diluted EPS $4.94, up 18.5%. New $50.0 million buyback set for October 28, 2026.
Heritage Insurance Holdings reported second-quarter 2026 net income of $61.7 million, up 28.5% from $48.0 million a year earlier, and diluted EPS of $2.05 versus $1.55. Total revenue rose 3.0% to $214.2 million, while gross premiums written fell 5.5%, and the net combined ratio improved to 64.9% from 72.9%. Results were helped by lower losses and favorable prior-year loss development, and the company repurchased $24.6 million of stock in 2026 year to date.
Q2 2026 net income of $61.7 million, up 28.5%; diluted EPS of $2.05 versus $1.55 in Q2 2025
Total revenue up 3.0% to $214.2 million; gross premiums written down 5.5% to $388.4 million
Net combined ratio improved 8.0 points to 64.9%; net favorable prior-year loss development of $23.4 million
Board suspended the quarterly dividend; new $50.0 million share repurchase program authorized May 7, 2026
Heritage Insurance Holdings announced that it has fully placed its 2026-2027 indemnity-based catastrophe excess-of-loss reinsurance program for its three insurance subsidiaries. The total consolidated cost is about $367.5 million, down $63.2 million from the prior year's renewal cost of about $430.7 million, which lowers the cost of protecting the company against catastrophe losses.
Total consolidated program cost of about $367.5 million, versus about $430.7 million for the prior year's renewal
Over $2.2 billion of limit placed, including two new catastrophe bonds
$712 million of multi-year coverage, with $550 million through fully collateralized catastrophe bonds and $162 million through private reinsurance
Florida Hurricane Catastrophe Fund participation of 90.0%, consistent with the prior year
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