Heritage Insurance (NYSE:HRTG) Q3 2025 Earnings Call November 06, 2025 09:00 AM ET Company ParticipantsKirk Lusk - CFOErnie Garateix - CEOConference Call ParticipantsKarol Chmiel - Equity Research AnalystMark Hughes - Managing Director and Senior Equity Research AnalystOperatorGood morning and welcome to the Heritage Insurance Holdings third quarter 2025 earnings conference call. Please note today's event is being recorded. I would now like to turn the conference over to Kirk Lusk, Chief Financial Officer f ...