Key Takeaways HRTG's loss and LAE ratio fell 1200 bps to 44.2% in H1 2025, boosting underwriting margins.Disciplined underwriting and rate adequacy fueled improved profitability and exposure management.Investments in Guidewire Cloud, predictive modeling, and analytics enhance claims efficiency.For Heritage Insurance Holdings (HRTG) , prudently managing losses and loss adjustment expenses (“LAE”) is central to underwriting profitability and long-term value creation. Losses and LAE are the most critical drive ...