**Kirk Lusk, CFO & Treasurer**
Good morning, and thank you for joining us today.
We invite you to visit the Investors section of our website at [investors.heritagepci.com](https://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 upon management’s current expectations and are subject to uncertainty and changes in circumstances.
In our earnings press release and 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 the risks that could cause our results to differ materially from those described, please refer to our annual report on Form 10-K, earnings release, and other SEC filings.
Our comments today will also include non-GAAP financial measures. The reconciliations of, and other information regarding, these measures can be found in our press release.
With me on the call today is Ernie Garateix, our Chief Executive Officer. I will now turn the call over to him.
https://seekingalpha.com/article/4840022-heritage-insurance-holdings-inc-hrtg-q3-2025-earnings-call-transcript?source=feed_all_articles