 Heritage Insurance Holdings, Inc. NYSE:HRTG Q3 2022 Results Conference Call November 9, 2022 9:00 AM ET Company Participants Kirk Lusk - Chief Financial Officer Ernie Garateix - Chief Executive Officer Conference Call Participants Mark Hughes - Truist Paul Newsome - Piper Sandler Operator Good day, and welcome to the Heritage Third Quarter 2022 Earnings Call. Operator Instructions After todays presentation, there will be an opportunity to ask questions. 