HERITAGE INSURANCE HOLDINGS, INC. FILES (8-K) Disclosing Other Events, Financial Statements and Exhibits

Item 8.01 Other Events

On June 6, 2022, Heritage Insurance Holdings, Inc. (the "Company") issued a
press release announcing details regarding its placement of its 2022-2023
catastrophe reinsurance program for its statutory insurance subsidiaries,
including Heritage Property Casualty Insurance Company, Narragansett Bay
Insurance Company and Zephyr Insurance Company.

Key points of the 2022-2023 catastrophe reinsurance program include:

     •    Total consolidated cost to the Company of approximately $359.5 million,
          accounting for 31% of March 31, 2022, premiums-in-force.



     •    First event reinsurance tower exhaustion points of $1.2 billion for the
          Northeast, $1.3 billion in the Southeast and $780.0 million in Hawaii
          with no co-participations in the syndicated program.



     •    Program and costs include a limit of $100 million from catastrophe bonds
          issued by the Company's special purpose vehicle, Citrus Re Ltd., which
          provides multi-year reinsurance protection at a cost of $5.1 million.



     •    First event consolidated loss retention in the Southeast and Hawaii of
          $40.0 million, and $30.0 million in the Northeast. Individual insurance
          companies will be less given the use of captive Osprey Re.



  •   Entire program is indemnity based.



     •    Florida Hurricane Catastrophe Fund participation of 90%, consistent with
          the prior year program.



     •    Deferred the use of Reinsurance to Assist Policyholders (RAP) program
          created by the Florida legislature.

In addition, the Company announced that it has proactively suspended the
offering of new personal residential policies in various counties in Florida,
effective June 3, 2022, as the Company evaluates the impact of recent
legislation on the homeowner's insurance marketplace and awaits other meaningful
and necessary legislative changes in Florida. 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 exhibits are being filed as part of this Current
Report on Form 8-K.

No.     Exhibit

99.1      Press Release dated June 6, 2022.

104     Cover Page Interactive Data File (embedded within the Inline XBRL document).

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