0001598665FALSE00015986652024-08-062024-08-06

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): August 6, 2024
____________________________
HERITAGE INSURANCE HOLDINGS, INC.
(Exact name of registrant as specified in its charter)
____________________________
Delaware001-3646245-5338504
(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:
oWritten communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
oSoliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
oPre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
oPre-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 shareHRTGNew 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 o
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. o



Item 2.02    Results of Operations and Financial Conditions.

On August 6, 2024, Heritage Insurance Holdings, Inc. (the “Company”) issued a press release announcing financial results for its fiscal quarter ended June 30, 2024. A copy of the press release is attached hereto as Exhibit 99.1.

The information furnished under this Item 2.02, including Exhibit 99.1, is being furnished and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing.

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

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: August 6, 2024By:/s/ Kirk Lusk
Kirk Lusk
Chief Financial Officer
3
Exhibit 99.1

Heritage Reports Second Quarter 2024 Results
Tampa, FL – August 6, 2024: Heritage Insurance Holdings, Inc. (NYSE: HRTG) (“Heritage” or the “Company”), a super-regional property and casualty insurance holding company, today reported second quarter of 2024 financial results.
Second Quarter 2024 Result Highlights
•Net income of $18.9 million or $0.61 per diluted share, improved from net income of $7.8 million or $0.30 per diluted share in the prior year quarter.
•Gross premiums earned of $350.1 million, up 6.1% from $330.0 million in the prior year quarter.
•Net premiums earned of $190.3 million, up 7.6% from $176.8 million in the prior year quarter.
•Net loss ratio of 55.7%, an improvement of 4.6 points from 60.3% in the prior year quarter.
•Net expense ratio of 36.8%, up 2.0 points from 34.8% in the prior year quarter.
•Net combined ratio of 92.5%, an improvement of 2.6 points from 95.1% in the prior year quarter.
“First, on behalf of the entire Heritage family, we wish a swift and complete recovery to all of those impacted by Hurricane Debby. Our team has been responding to policyholder needs and remains ready to provide outstanding claim service. With regard to the second quarter, our strong results demonstrate the continued execution of our underwriting and rate adequacy initiatives over the last three years," remarked Ernie Garateix, CEO at Heritage. "Through our proactive actions to improve rates and organically grow our commercial residential business, we are achieving top line growth while expanding our margins and delivering stronger earnings. A key component of this strategy was our decision in December of 2022 to largely cease writing new personal lines policies in Florida and the Northeast given the wavering profitability of our book of business, coupled with tightening reinsurance markets at that time. Importantly, we have now reached an inflection point which positions us to selectively resume writing new business in these regions. Looking forward, we plan to pursue a strategy of controlled growth anchored by continued risk management and stringent underwriting. This is an opportune time to accelerate growth given the disruption in many of our markets that is opening up significant market share, combined with the positive impact of Florida legislative changes and a stabilized reinsurance market where we continue to receive support from our partners. I'm pleased with the progress that we have made, and even more encouraged with the opportunities ahead, which would not be possible without the experience and dedication of our employees."
Strategic Profitability Initiatives
The following provides an update to the Company’s strategic initiatives aimed at achieving consistent long-term quarterly earnings and driving shareholder value. The Supplemental Information table included in this earnings release demonstrates progress made compared to second quarter 2023.
Generate underwriting profit though rate adequacy and more selective underwriting.
•Significant and consistent rating actions across the book of business have had a favorable impact, resulting in higher average premium per policy.
•Maintaining rate adequacy is a core principle for our business and we expect our net income to grow and build off our first quarter results, having a positive impact on future earnings.
•Gross premiums earned increased 6.1% over the prior year quarter, driven by rate actions as well as organic growth in commercial residential business, while net income grew by 143%.
•Premiums-in-force of $1.4 billion are up 6.1% from the prior year quarter, driven primarily by growth in commercial residential business and rate increases throughout the book of business.
•Continued focus on enhancing underwriting criteria including assessment of agent and agency performance has benefited the attritional loss ratio.
Allocate capital to products and geographies that maximize long-term returns.
•We selectively increased the commercial residential premium in force by 29.4% compared to the second quarter of 2023, while the total insured value (“TIV”) only increased by 9.9%. The commercial residential


business, which tends to have a significantly lower attritional loss ratio, generates materially higher premiums. Commercial residential business accounts for 21.3% of the in-force premium, compared to 17.5% in the prior year period.
•As part of our targeted exposure management strategy, we continue to grow our policy count in products and geographies which are profitable and reduce our policy count in unprofitable and over concentrated areas.
•In-Force premium grew nearly $30.0 million or 177.0% year over year for our Excess & Surplus (“E&S”) business where we can more nimbly adjust rates and coverage. This business was written in California, Florida, and South Carolina. We will continue to evaluate other states for E&S and other products as we focus on our controlled growth strategy.
•This disciplined underwriting approach resulted in a policy count reduction of just over 69,000 or 14.1% throughout our footprint from second quarter 2023, while premium in force increased by $81.2 million or 6.1%. We expect the headwind from declining policies to moderate.
•Given improved rate adequacy across our regions, we will begin underwriting new policies in Florida and the Northeast as we pursue a controlled growth strategy designed to accelerate revenue growth.
•Competitor dislocation in many markets has opened new business opportunities to Heritage specifically in New York as several competitors have exited the market.
•Expect to leverage our existing sales and marketing teams that are in place in both Florida and the Northeast.
Maintain a balanced and diversified portfolio.
•Selective diversification of the portfolio by product and state, which can change based on market conditions, serves to reduce performance volatility.
•No state represents over 27.3% of the Company’s TIV.
Capital Management
Heritage's Board of Directors has decided to continue its suspension of the quarterly shareholder dividend to prioritize financial stability and strategic growth. The Board of Directors will continue to evaluate dividend distribution and stock repurchases on a quarterly basis. No shares of common stock were repurchased during the quarter.

Results of Operations
The following table summarizes results of operations for the three and six months ended June 30, 2024 and 2023 (amounts in thousands, except percentages and per share amounts):



Three Months Ended June 30,Six Months Ended June 30,
20242023Change20242023Change
Total revenues$203,571 $185,313 9.9 %$394,873 $362,234 9.0 %
Net income$18,869 $7,779 142.6 %$33,094 $21,787 51.9 %
Earnings per share$0.61 $0.30 103.3 %$1.08 $0.85 27.1 %
Book value per share$8.32 $6.27 32.7 %$8.32 $6.27 32.7 %
Return on equity *30.8 %19.7 %11.1  pts 27.8 %29.9 %(2.1) pts
Underwriting summary
Gross premiums written424,530 396,559 7.1 %781,214 706,868 10.5 %
Gross premiums earned350,073 330,015 6.1 %691,462 647,037 6.9 %
Ceded premiums(159,757)(153,211)4.3 %(321,720)(304,204)5.8 %
Net premiums earned190,316 176,804 7.6 %369,742 342,833 7.8 %
Ceded premium ratio45.6 %46.4 %(0.8)
pts
46.5 %47.0 %(0.5) pts
Ratios to Net Premiums Earned:
Loss ratio55.7 %60.3 %(4.6) pts 56.2 %59.5 %(3.3) pts
Expense ratio36.8 %34.8 %2.0  pts 36.9 %35.3 %1.6  pts
Combined ratio92.5 %95.1 %(2.6) pts 93.1 %94.8 %(1.7) pts
 

* Return on equity represents annualized net income for the period divided by average stockholders’ equity during the period. 
Note: Percentages and sums in the table may not recalculate precisely due to rounding.
Ratios
Ceded premium ratio represents ceded premiums as a percentage of gross premiums earned.
Net loss ratio represents net losses and loss adjustment expenses (“LAE”) as a percentage of net premiums earned.
Net expense ratio represents policy acquisition costs (“PAC”) and general and administrative (“G&A”) expenses as a percentage of net premiums earned. Ceding commission income is reported as a reduction of PAC and G&A expenses.
Net combined ratio represents the sum of net losses and LAE, PAC and G&A expenses as a percentage of net premiums earned. The net combined ratio is a key measure of underwriting performance traditionally used in the property and casualty industry. A combined ratio under 100% generally reflects profitable underwriting results.
Second Quarter 2024 Results:
 
Second quarter 2024 net income of $18.9 million or $0.61 per diluted share, compared to net income of $7.8 million or $0.30 per diluted share in the prior year quarter, primarily driven by an increase in net premiums earned and higher net investment income, which was partly offset by higher operating expenses. This improvement is attributable to the positive impact of rate actions, underwriting actions, and targeted exposure management taken over the last several years, which favorably impacted results during the second quarter 2024. These and other actions resulted in growth of 7.6% in net premiums earned, a 48.0% increase in net investment income, and a 0.7% decrease in net losses and LAE. Policy acquisition costs increased 13.9%, which was attributable to costs that vary with gross premiums written as well as a reduction in ceding commission income on the net quota share reinsurance contract. General and administrative costs increased 13.6% driven primarily by costs associated with investments in technology as well as a higher cost for liability insurance and a reduction in ceding commission income.
Premiums-in-force were $1.4 billion as of second quarter 2024, an increase of 6.1% compared to $1.3 billion as of second quarter 2023. Second quarter 2024 represents our tenth consecutive quarter of driving higher in-force premium.


Gross premiums written of $424.5 million were up 7.1% from $396.6 million in the prior year quarter, reflecting a strategic and substantial organic increase in Florida commercial residential lines business and a higher average premium per policy throughout the book of business from rating actions and use of inflation guard, which ensures appropriate property values, partly offset by intentional targeted exposure management.
Gross premiums earned of $350.1 million, up 6.1% from $330.0 million in the prior year quarter, reflecting higher gross premiums written over the last twelve months as described above.
Net premiums earned of $190.3 million, up 7.6% from $176.8 million in the prior year quarter, reflecting higher gross premium earned outpacing the increase in ceded premiums for the quarter.
Ceded premium ratio of 45.6%, down 0.8 points from 46.4% in the prior year quarter driven by growth in gross premiums earned which offset higher catastrophe excess of loss reinsurance costs. Due to improvements in our reinsurance program from a cost and structure standpoint, coupled with growing gross premiums earned, we expect to have a meaningful reduction in our ceded premium ratio going forward.
Net loss ratio decreased to 55.7%, a 4.6 point decline from 60.3% in the same quarter last year reflecting higher net premiums earned, coupled with slightly lower net losses and LAE driven by lower weather losses which were partly offset by higher adverse development. Net weather losses for the current accident quarter were $19.7 million, a decrease of $14.1 million from $33.8 million in the prior year quarter. There were no catastrophe losses in the current or prior year quarters. Additionally, the net loss ratio was impacted by net unfavorable loss development of $8.7 million during the second quarter of 2024, compared to net favorable development of $2.7 million in the second quarter of 2023.
The net expense ratio was 36.8%, a 2.0 point increase from the prior year quarter amount of 34.8%, primarily due to higher underwriting costs associated with the increase in gross premiums written and a reduction in ceding commission income, as well as and higher general and administrative costs as described above, which were partly offset by the increase in net premiums earned.
Net combined ratio of 92.5% improved 2.6 points from 95.1% in the prior year quarter, driven by a lower net loss ratio and partly offset by a higher net expense ratio as described above.
Net investment income was $9.8 million up $3.2 million from $6.6 million in the prior year quarter reflecting actions to align the investments with the yield curve and take advantage of higher short-term yields. Total revenue for the prior year quarter includes a $1.6 million impairment on other investments that did not recur in the current year quarter.
The effective tax rate of 24.1% compared to 43.0% in the prior year quarter. The effective tax rate for the prior year quarter was impacted by an increase of $2.5 million in the deferred tax valuation allowance related to certain tax elections made by Osprey Re, the Company’s captive reinsurer domiciled in Bermuda. There was no benefit nor detriment associated with a valuation allowance in the current year quarter. The impact of permanent tax differences on projected results of operations for the calendar year impacts the effective tax rate, which can also fluctuate throughout the year as estimates used in the quarterly tax provision are updated with additional information.
Supplemental Information:
 
Policies-in-force:Q2 2024Q2 2023
% Change
Florida142,591 165,761 (14.0)%
Other States277,653 323,629 (14.2)%
Total420,244 489,390 (14.1)%
Premiums-in-force:
Florida$734,698,077 $665,169,364 10.5 %
Other States687,638,190 675,983,599 1.7 %
Total$1,422,336,267 $1,341,152,963 6.1 %
Total Insured Value:
Florida$104,426,161,222 $105,826,117,271 (1.3)%
Other States278,666,369,312 297,901,382,470 (6.5)%
Total$383,092,530,534 $403,727,499,741 (5.1)%



Book Value Analysis:
Book Value Per Share
As Of
June 30, 2024December 31, 2023June 30, 2023
Numerator:
Common stockholders' equity
$255,333 $220,280 $160,627 
Denominator:
Total Shares Outstanding
30,684,198 30,218,938 25,622,495 
Book Value Per Common Share
$8.32 $7.29 $6.27 
 
Book value per share of $8.32 at June 30, 2024, was up 14.1% from fourth quarter 2023 and up 32.7% from second quarter 2023. The increase from the comparable quarter of 2023 is primarily attributable to net income as well as a reduction in unrealized losses on the Company’s fixed income securities portfolio. The unrealized losses are unrelated to credit risk but are instead attributable to periods of rising interest rates as investment are held. The increase in book value per share from December 31, 2023 is attributable to 2024 year-to-date net income. Heritage does not anticipate a need to sell investments in advance of maturity. As such, the Company expects unrealized losses to continue to roll off the portfolio as investments mature. The average duration of the fixed income portfolio is 2.68 years.
Conference Call Details:
Wednesday, August 7, 2024 – 9:00 a.m. ET
Participant Dial-in Numbers Toll Free: 1-888-346-3095
Participant International Dial In: 1-412-902-4258
Canada Toll Free: 1-855-669-9657
Webcast:
To listen to the live webcast, please go to http://investors.heritagepci.com. This webcast will be archived and accessible on the Company’s website.































image_1.jpg
HERITAGE INSURANCE HOLDINGS, INC.
Condensed Consolidated Balance Sheets
(Amounts in thousands, except share amounts)
June 30, 2024December 31, 2023
ASSETS
(unaudited)
Fixed maturities, available-for-sale, at fair value
$698,853 $560,682 
Equity securities, at fair value,
1,936 1,666 
Other investments, net6,790 7,067 
Total investments707,579 569,415 
Cash and cash equivalents480,930 463,640 
Restricted cash10,956 9,699 
Accrued investment income5,148 4,068 
Premiums receivable, net100,832 89,490 
Reinsurance recoverable on paid and unpaid claims, net
536,888 482,429 
Prepaid reinsurance premiums505,180 294,222 
Income tax receivable12,066 13,354 
Deferred income tax asset, net12,694 11,111 
Deferred policy acquisition costs, net114,818 102,884 
Property and equipment, net34,510 33,218 
Right-of-use lease asset, finance16,337 17,606 
Right-of-use lease asset, operating6,357 6,835 
Intangibles, net39,464 42,555 
Other assets15,590 12,674 
Total Assets$2,599,349 $2,153,200 
LIABILITIES AND STOCKHOLDERS' EQUITY
Unpaid losses and loss adjustment expenses$822,271 $845,955 
Unearned premiums765,632 675,921 
Reinsurance payable504,291 159,823 
Long-term debt, net120,780 119,732 
Advance premiums26,262 23,900 
Accrued compensation6,278 9,461 
Lease liability, finance19,250 20,386 
Lease liability, operating7,528 8,076 
Accounts payable and other liabilities71,724 69,666 
Total Liabilities$2,344,016 $1,932,920 
Stockholders’ Equity:
Common stock, $0.0001 par value,
3 3 
Additional paid-in capital361,789 360,310 
Accumulated other comprehensive loss, net of taxes(34,770)(35,250)
Treasury stock, at cost
(130,900)(130,900)
Retained earnings
59,211 26,117 
Total Stockholders' Equity255,333 220,280 
Total Liabilities and Stockholders' Equity$2,599,349 $2,153,200 


image_1.jpg
HERITAGE INSURANCE HOLDINGS, INC.
Condensed Consolidated Statements of Operations and Other Comprehensive Income
(Amounts in thousands, except share amounts)
(Unaudited)
 
For the three months ended June 30,For the six months ended June 30,
2024202320242023
REVENUES:
Gross premiums written$424,530 $396,559 $781,214 $706,868 
Change in gross unearned premiums(74,457)(66,544)(89,752)(59,831)
Gross premiums earned350,073 330,015 691,462 647,037 
Ceded premiums(159,757)(153,211)(321,720)(304,204)
Net premiums earned190,316 176,804 369,742 342,833 
Net investment income9,769 6,599 18,320 12,181 
Net realized gains (losses) and impairment
12 (1,568)11 330 
Other revenue3,474 3,478 6,800 6,890 
Total revenues203,571 185,313 394,873 362,234 
EXPENSES:
Losses and loss adjustment expenses105,928 106,646 207,963 204,098 
Policy acquisition costs, net
47,224 41,451 94,153 81,776 
General and administrative expenses, net
22,780 20,058 42,414 39,111 
Intangible asset impairment— 767 — 767 
Total expenses175,932 168,922 344,530 325,752 
Operating income
27,639 16,391 50,342 36,482 
Interest expense, net2,780 2,740 5,610 5,621 
Income before income taxes
24,859 13,651 44,733 30,861 
Provision for income taxes
5,990 5,872 11,639 9,074 
Net income
$18,869 $7,779 $33,094 $21,787 
OTHER COMPREHENSIVE INCOME
Change in net unrealized gains (losses) on investments
924 (2,986)641 9,158 
Reclassification adjustment for net realized investment (gains) losses(12)9 (11)11 
Income tax (expense) benefit related to items of other comprehensive income
(216)698 (150)(2,158)
Total comprehensive income
$19,565 $5,500 $33,574 $28,798 
Weighted average shares outstanding
Basic30,649,73225,567,15730,513,20725,562,731
Diluted30,708,99525,626,42030,572,47025,621,994
Earnings per share
Basic$0.62 $0.30 $1.08 $0.85 
Diluted$0.61 $0.30 $1.08 $0.85 


image_1.jpgAbout 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.
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 the expected positive impact of our strategic initiatives on our future financial results, including our strategy of controlled growth anchored by continued risk management, stringent and selective underwriting, rating action, including the impact of rate adequacy on future financial results, capital allocation, targeted exposure management and strategic reduction of policy count, where appropriate, in certain geographies; the impact of our reinsurance program and earned premium growth on our future ceded premium ratio; our expectation that the headwind from declining policies will moderate; our expectation regarding selective underwriting in Florida and the Northeast, including utilizing our existing sales and marketing teams in those markets. 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 such models as a tool to evaluate risk; the impact of macroeconomic and geopolitical conditions, including the impact of supply chain constraints, inflationary pressures, labor availability and conflicts between Russia and Ukraine and in the Middle East; 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 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, 2023 filed with the Securities and Exchange Commission on March 13, 2024, 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
klusk@heritagepci.com
investors@heritagepci.com 
Zack Mukewa
Investor Relations
Lambert
HRTG@lambert.com

v3.24.2.u1
Cover
Aug. 06, 2024
Cover [Abstract]  
Document Type 8-K
Document Period End Date Aug. 06, 2024
Entity Registrant Name HERITAGE INSURANCE HOLDINGS, INC.
Entity Incorporation, State or Country Code DE
Entity File Number 001-36462
Entity Tax Identification Number 45-5338504
Entity Address, Address Line One 1401 N. Westshore Blvd
Entity Address, City or Town Tampa
Entity Address, State or Province FL
Entity Address, Postal Zip Code 33607
City Area Code 727
Local Phone Number 362-7200
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock, par value $0.0001 per share
Trading Symbol HRTG
Security Exchange Name NYSE
Entity Emerging Growth Company false
Entity Central Index Key 0001598665
Amendment Flag false
Heritage Insurance (NYSE:HRTG)
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