Heritage Insurance Holdings, Inc. 8-K

What Happened Heritage Insurance Holdings, Inc. announced on May 28, 2026 that it has fully placed its 2026–2027 indemnity-based catastrophe excess-of-loss reinsurance program for its insurance subsidiaries. The company filed a press release about the placement as Exhibit 99.1 to this Form 8-K.

Key Details

• Fully placed 2026–2027 indemnity-based catastrophe excess-of-loss reinsurance program (announced May 28, 2026).
• Program covers Heritage Property Casualty Insurance Company, Narragansett Bay Insurance Company, and Zephyr Insurance Company.
• Placement was described in a company press release furnished with the 8-K (Exhibit 99.1).
• Filing date of the Form 8-K: May 29, 2026.

Why It Matters Securing a catastrophe excess-of-loss reinsurance program is a risk-management action that limits the insurer’s direct exposure to large catastrophic losses. For investors, this can help reduce the potential for severe underwriting losses and smooth earnings volatility tied to major weather or catastrophe events. The 8-K confirms the company has contractual reinsurance protection in place for the 2026–2027 policy year.