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Heritage Insurance Holdings, Inc. (HRTG) CEO Ernie Garateix on Q4 2020 Results - Earnings Call Transcript

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Heritage Insurance Holdings, Inc. (NYSE:HRTG) Q4 2020 Earnings Conference Call March 4, 2021 9:30 AM ET

Company Participants

Arash Soleimani - EVP

Ernie Garateix - CEO

Kirk Lusk - CFO

Conference Call Participants

Marla Backer - Sidoti

Mark Hughes - Truist

Paul Newsome - Piper Sandler

Matt Carletti - JMP


Good morning, and welcome to the Heritage Insurance Holdings Fourth Quarter 2020 Financial Results Conference Call. My name is Kate, and I will be the operator today. At this time, all participants are in a listen-only mode. A brief question-and-answer session will follow the formal presentation. Please note this event is being recorded.

I would now like to turn the conference over to Arash Soleimani, Executive Vice President at Heritage. Please go ahead.

Arash Soleimani

Good morning and thanks for joining us today. We invite you to visit the Investors section of our website, investors.heritagepci.com where the earnings release and our earnings call will be archived. These materials are available for replay or review at your convenience.

Today's call may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These statements are based on management's current expectations and are subject to uncertainty and changes in circumstances. In our earnings press release and in our SEC filings, we detail material risks that may cause our future results to differ from our expectations. Our statements are as of today and we have no obligation to update any forward-looking statements we may make. For a description of the forward-looking statements and risks that could cause our results to differ materially from those described in the forward-looking statements, please refer to our Annual Report on Form 10-K, earnings release and other SEC filings.

With us on the call today are Ernie Garateix, our Chief Executive Officer; and Kirk Lusk, our

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