Form 8-K

8-K — Heritage Insurance Holdings, Inc.

Accession: 0001193125-26-245800

Filed: 2026-05-29

Period: 2026-05-28

CIK: 0001598665

SIC: 6331 (FIRE, MARINE & CASUALTY INSURANCE)

Item: Other Events

Item: Financial Statements and Exhibits

Documents

8-K — d153948d8k.htm (Primary)

EX-99.1 (d153948dex991.htm)

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8-K

8-K (Primary)

Filename: d153948d8k.htm · Sequence: 1

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d)

of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): May 28, 2026

HERITAGE INSURANCE HOLDINGS, INC.

(Exact name of registrant as specified in its charter)

Delaware

001-36462

45-5338504

(State or other jurisdiction

of incorporation)

(Commission

File Number)

(I.R.S. Employer

Identification No.)

1401 N. Westshore Blvd

Tampa, Florida

33607

(Address of principal executive offices)

(Zip Code)

Registrant’s telephone number, including area code: (727) 362-7200

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐

Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐

Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐

Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐

Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class

Trading

Symbol(s)

Name of each exchange

on which registered

Common Stock, par value $0.0001 per share

HRTG

New York Stock Exchange

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

☐

Emerging growth company

☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

Item 8.01

Other Events.

On May 28, 2026, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing that it fully placed its 2026-2027 indemnity based, catastrophe excess-of-loss reinsurance program for its insurance subsidiaries, Heritage Property Casualty Insurance Company, Narragansett Bay Insurance Company, and Zephyr Insurance Company.

A copy of the press release is filed with this Current Report on Form 8-K as Exhibit 99.1 and is incorporated by reference herein.

Item 9.01

Financial Statements and Exhibits.

(d) Exhibits. The following exhibit is being furnished as part of this Current Report on Form 8-K.

No.

Exhibit

99.1

Press Release dated May 28, 2026.

104

Cover Page Interactive Data File (the cover page tags are embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

HERITAGE INSURANCE HOLDINGS, INC.

Date: May 28, 2026

By:

/s/ Kirk Lusk

Kirk Lusk

Chief Financial Officer

EX-99.1

Filename: d153948dex991.htm · Sequence: 2

EX-99.1

Exhibit 99.1

Heritage Announces Full Placement of 2026-2027 CAT XOL Reinsurance Program

TAMPA, Fla., May 28, 2026 /PRNewswire/ — Heritage Insurance Holdings, Inc. (NYSE: HRTG) (“Heritage” or the

“Company”), a super-regional property and casualty insurance holding company, announced today that it has fully placed its 2026-2027 indemnity based, catastrophe

excess-of-loss reinsurance program for its insurance subsidiaries, Heritage Property Casualty Insurance Company, Narragansett Bay Insurance Company, and Zephyr Insurance

Company.

Ernie Garateix, CEO of Heritage, commented, “I am very pleased to announce the successful completion of our 2026-2027 catastrophe excess

of loss reinsurance program which demonstrates the strong commitment that we have from our reinsurance partners. In this year’s renewal, we placed over $2.2 billion of limit including two new catastrophe bonds. We placed more multi-year

coverage this year and achieved substantial reinsurance cost savings while providing enhanced vertical protection for each of our insurance entities. I would like to thank our dedicated reinsurance partners who have supported our business through

multiple catastrophic events over the last several years and look forward to their continued partnership as we work to prudently grow the Company.”

Key highlights of the 2026-2027 catastrophe reinsurance program include:

•

Total consolidated cost of approximately $367.5 million, a decrease of $63.2 million from the prior

year’s renewal cost of approximately $430.7 million.

•

External party first event reinsurance tower exhaustion points of approximately $1.865 billion for the

Southeast, $1.245 billion in the Northeast, and $1.00 billion in Hawaii. Each reinsurance tower may be supplemented with limit purchased through affiliate Osprey Re.

•

Includes $712 million of multi-year coverage with $550 million through fully collateralized catastrophe

bonds and $162 million through the private reinsurance market.

•

The loss retention for the Company remains at approximately $50 million for the Southeast and Hawaii,

respectively, and $38 million for the Northeast. The retention for each insurance company is expected to be reduced by limit purchased through the Company’s affiliate captive reinsurer, Osprey Re.

•

Florida Hurricane Catastrophe Fund participation of 90.0%, consistent with the prior year program.

•

The entire program is indemnity based, with no parametric covers.

About Heritage

Heritage Insurance Holdings, Inc. is a

super-regional property and casualty insurance holding company. Through its insurance subsidiaries and a large network of experienced agents, the Company writes approximately $1.4 billion of gross personal and commercial residential premium

across its multi-state footprint covering the northeast, southeast, Hawaii and California excess and surplus lines. As a catastrophe focused property insurer, our personnel have devoted efforts to policyholders impacted by wildfires, hurricanes,

winter storms, and severe convective storms.

Forward-Looking Statements

Statements in this press release that are not historical facts are forward-looking statements that are subject to certain risks and uncertainties that could

cause actual events and results to differ materially from those discussed herein. Without limiting the generality of the foregoing, words such as “may,” “will,” “expect,” “believe,”

“anticipate,” “intend,” “could,” “would,” “estimate,” “or “continue” or the other negative variations thereof or comparable terminology are intended to identify

forward-looking statements. This release includes forward-looking statements relating to our 2026-2027 catastrophe reinsurance program. The risks and uncertainties that could cause our actual results to differ from those expressed or implied herein

include, without limitation: the success of the Company’s underwriting and profitability initiatives; inflation and other changes in economic conditions (including changes in interest rates and financial and real estate markets), including

changes that may impact demand for our products and our operations; lack of effectiveness of exclusions and loss limitation methods in the insurance policies we assume or write; inherent uncertainty of our models and our reliance on artificial

intelligence as a tool in creating and using such models; the impact of macroeconomic and geopolitical conditions, including the impact of interest rates, supply chain constraints, inflationary pressures, tariffs, labor availability and geopolitical

conflicts; the impact of new federal and state regulations that affect the property and casualty insurance market and our failure to meet increased regulatory requirements, including minimum capital and surplus requirements; continued and increased

impact of abusive and unwarranted claims; the cost of reinsurance, the collectability of reinsurance and our ability to obtain reinsurance coverage on terms and at a cost acceptable to us; assessments charged by various governmental agencies;

pricing competition and other initiatives by competitors; our ability to obtain regulatory approval for requested rate changes, and the timing thereof; legislative and regulatory developments; the outcome of litigation pending against us, including

the terms of any settlements; risks related to the nature of our business; dependence on investment income and the composition of our investment portfolio; the adequacy of our liability for losses and loss adjustment expense; our ability to build

and maintain relationships with insurance agents; claims experience; ratings by industry services; catastrophe losses; reliance on key personnel; weather conditions (including the severity and frequency of storms, hurricanes, tornadoes, wildfires

and hail); changes in loss trends; acts of war and terrorist

activities; court decisions and trends in litigation; and other matters described from time to time by us in our filings with the Securities and Exchange Commission, including, but not limited

to, the Company’s Annual Report on Form 10-K for the year ended December 31, 2025 filed with the Securities and Exchange Commission on March 12, 2026, and subsequent filings. The Company undertakes no

obligations to update, change or revise any forward-looking statement, whether as a result of new information, additional or subsequent developments or otherwise.

Investor Contact:

Kirk Lusk

Chief Financial Officer

investors@heritagepci.com

SOURCE Heritage Insurance Holdings, Inc.

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