 Heritage Insurance Holdings, Inc. NYSE:HRTG Q1 2022 Earnings Conference Call May 6, 2022 9:25 AM ET Company Participants Ernie Garateix Chief Executive Officer Kirk Lusk Chief Financial Officer Conference Call Participants Marla Backer Sidoti Paul Newsome Piper Sandler Matt Carletti JMP Nick Lacoviello Dowling and Partners Operator Good morning. And welcome to the Heritage Insurance Holdings, First Quarter 2022, earnings conference call. 