Monday Delight: 20/10/25 - Heritage Insurance Holdings, Inc.
HRTG (quick overview): US property/casualty insurer focused on hurricane-prone coastal states like FL. Tech-enabled underwriting platform + vertical integration (in-house claims/remediation) drives efficiency. 33.5% ROE, 2.0x P/B, $760M market cap. Strong combined ratios but unclear if advantages are structural or just favorable cycle timing.
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