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sync brain updates 2026-08-08

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Adolfo Reyna
2026-08-08 23:21:21 -04:00
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areas/finances/220_emerald_homeowners_insurance.md
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@@ -91,8 +91,22 @@ Tags: [areas, finances, insurance, homeowners, 220_emerald, cabrillo, orange_ins
- **2026-07-30 status:** Household called the insurer; support is actively helping reconcile the mortgagee/escrow and renewal-information issue. The new declarations document supports that the insurer-side mortgagee update is now complete.
- **Homeowners dashboard:** https://insured-app.cabgen.com/ (Cabrillo/Orange policy portal; user-provided).
## 2026-08-05 Verification — Re-upload of OIH0012918_DEC.PDF + Escrow Payment Proof
- Source 1: WhatsApp upload `doc_32349e669ba1_OIH0012918_DEC.PDF` saved to `~/.hermes/cache/documents/doc_32349e669ba1_OIH0012918_DEC.PDF` on 2026-08-05.
- Extraction: 4 pages, pymupdf - confirms identical to Nextcloud `220 emerald ave/OIH0012918_DEC.PDF` (issued 7/30/26).
- Interpretation: Renewal declarations page only - NOT proof of payment alone. Shows Pennymac as D-BILL payor.
- Source 2: WhatsApp upload `LoanActivity_8212730928.pdf` saved to `~/.hermes/cache/documents/doc_93616fab494d_LoanActivity_8212730928.pdf` on 2026-08-05.
- Extraction: 1 page loan activity for 8212730928, 220 Emerald Ave.
- **Key transaction: 7/31/2026 Homeowners Insurance Premium ($6,703.65) disbursed ($0 principal/$0 interest), escrow balance $5,841.40 after.**
- Matches renewal declarations total exactly: $6,703.65.
- Subsequent: 8/5/2026 Payment $5,358.53 + MI Disb ($145.35) → escrow $7,024.38.
- **Status RESOLVED 2026-08-05: Homeowners renewal PAID via Pennymac escrow on 7/31/2026, before 8/06/2026 effective date. Policy OIH0012918 2026-08-06 through 2027-08-06 is current and funded.**
- Portals: Orange/Cabrillo https://insured-app.cabgen.com/ should now show paid; Pennymac loan 8212730928 confirms.
## Follow-up
- Verify with Pennymac before 2026-08-06 that escrow has paid (or scheduled payment for) the $6,703.65 renewal and that the declarations are attached to loan reference ending `8212730928`.
- None needed for 2026-2027 homeowners premium — paid. Keep LoanActivity PDF as proof.
- Still verify flood (Neptune TNF4366115) separately if not yet confirmed (see [[220_emerald_flood_insurance]]).
- Next renewal check: ~June 2027.
## Related
- [[220_emerald_flood_insurance]]